23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Fri XXXX XXXX2019 INTERNET PAYMENT - THANK YOU {$1000.00} Wed XXXX XXXX2019 RETURNED INTERNET PMT {$1000.00} Questionable Charge : Not authorized by account owner Wed XXXX XXXX2019 REPRESENTED INTERNET PAYMENT - THANK YOU {$1000.00} XXXX XXXX 2019 Why was a returned payment resubmitted without my notice or permission? I only authorized the initial/single payment.

Re : Online Payments [ # XXXX ] Please note if a payment is returned due to insufficient or uncollectable funds between {$5.00} and {$2400.00}, the payment will automatically be resubmitted once. This means the payment will be attempted two times total.

I don't care what the amount, they have NO right to dispense my funds beyond my initial request. I request the bank pay my fees incurred at the other end of the payment process. Discover Card is liable for fees incurred on the other end due to their irresponsible and unauthorized handling of my money.

Discover Card also needs to stop the practice of requisitioning account holder funds to meet their own ends.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went the XXXX in XXXXXXXX XXXX  for a medical emergency back in XXXX  As a service connected XXXX veteran I am allowed to go to a community XXXX when no XXXX XXXXXXXX is available. On top of being treated like XXXX by the physicians on duty, after my visit I was billed for it. I notified the XXXX and was told the bill would be taken care of. XXXX Physcians billing department called me and I explained to them I was a service connected XXXX vet and the XXXX would pay my bill which to my knowledge they did. Under U.S. Code 38 sub section 1728 I'm not responsible for the bill. Now XXXX years later I check my credit report and it's listed under collections on Experian by XXXX XXXX however it's not listed on XXXX. It is showing an amount on Experian of {$1300.00} so they need to remove this because it's not legit.
Product: Credit reporting or other personal consumer reports

First off. Someone needs to congratulate me. Struggle is not something i take on as a trait. 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. Not proud of my XXXX gpa but its a great thing to know im the only female to gradute that semester from that particular school XXXX on XXXX campus. Why on earth does that cause for fraud with intent to distract me from success i dont wan na know. What id like to know is how you can further. Investigate these semesters where money was fraudulently transferred. XXXX XXXX  does not have me enrolled for three semesters where they are claiming i either went to their school, or they XXXX XXXX XXXX. Can someone erase the XXXX the XXXX and other XXXX and modify accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the soul with the given name XXXX XXXX and the married name of XXXX XXXX XXXX, do not accept the resolution given by the public entities named XXXX, XXXX and Transunion who act as monitors of soul beings transactions in the extensions of credit. 

I, the soul with the given name XXXX XXXX and the married name XXXX XXXX XXXX, do not owe any so-called debts as listed by the public entities named XXXX, XXXX and Transunion. 

I, the soul with the given name of XXXX XXXX and the married name XXXX XXXX XXXX, has NEVER given permission to these entities to list or connect this soul with the LEGAL FICTION known as XXXX XXXX XXXX or any alias thereof or to list any alleged transactions on their public sites/listings. 

If the public entities named, XXXX, XXXX and Transunion have dealings with the soul with the given name XXXX XXXX and the married name of XXXX XXXX XXXX, they may send documentation with the proper use of lettering as aforementioned. 

If these entities known as XXXX, XXXX and Transunion do not send or communicate to those parties they do business with to send the alleged debts to the soul with the proper use of lettering to said soul, I request all alleged debts be DELETED from the credit listing entities named XXXX, XXXX and Transunion. 

Any documents sent with the lettering related to the LEGAL FICTION known as XXXX XXXX XXXX or any aliases related thus will not be addressed by this soul. 


The alleged accounts are thus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I got my credit report and it shows that I owe a medical bill of XXXX dollars but it does n't show name, phone number, address, or account number of the collection company. And i would like to be removed since it it looks fraudulent.
Product: Debt collection

I am received numerous texts from a company claiming to be MRS BPO , LLC asking us to contact them at ( XXXX ) XXXX regarding a matter with XXXX XXXX. They also provide the web address of portal.mrsbpo.com. They have an opt out option and we have replied to that opt out numerous times and block the numbers. However, daily for the past XXXX weeks at least, they keep texting the same message from a new number. We do not have an existing account or relationship with XXXX XXXX and certainly don't owe them money. Regardless, this company is not adhering to our requests to stop messaging me. I feel as though this is a scam artist and do not want to contact them using this information provided for fear that they will use that to attempt to hack or steal more of my information.
Product: Mortgage

Wells Fargo refuses to honor Minnesota State Law to allow me to postpone the Sheriff sale of my house on XX/XX/2018 for the 5 month postponement allowed by state law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a dispute XX/XX/XXXX to Experian to do and investigate via letter to investigate an alleged late on the XXXX acct that says that I was late on XX/XX/XXXX. I was never late on this account. The letter asked for them to correct the information. They dis not respond and they are non compliant. By law they are suppose to respond in 30 days and it now XX/XX/XXXX with no response to my investigation. I send out a letter of Non compliance XX/XX/XXXX. I was never late on this account and I want it updated to reflect never late and remove the alleged late payment on XX/XX/XXXX and to reflect a positive never late on this account
Product: Credit reporting or other personal consumer reports

Equifax is reporting a bankruptcy on my credit report. XXXX XXXX sent a letter that it was unverifiable and they need to delete it immediately. Under the FDCPA and FCRA all credit reporting agencies are supposed to report the same information and experian and XXXX are not reporting a bankruptcy but equifax is.
Product: Mortgage

I currently have a pending lawsuit in XXXX XXXX XXXX XXXX against Fay Servicing and their counsel XXXX, XXXX, XXXX XXXX which has been in litigation since XX/XX/year> and it was in the higher XXXX XXXX XXXX. However, another lawsuit was filed on XX/XX/year> with case number XXXX. Well in XXXXXXXX XXXX, Fay Servicing proceeded with Foreclosure proceedings although it was still a pending XXXX XXXX XXXX  as well as the pending lawsuit. Fay Servicing foreclosed and sold it to the highest bidder and its still pending in XXXX XXXX XXXX XXXX and now there is a new case pending with XXXX XXXX with the buyer of the property at Foreclosure Sale.
Product: Credit reporting or other personal consumer reports

I am making this complaint because Equifax refuses to ffollow the laws that are supposed to Govern them. I need help, I literally was on the phone with a super visor with Equifax and the supervisor told me flat out that their internal policy supersedes the law. That kind of attitude is why the united states is in the position it is in. 
I am the victim identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Debt collection

I received communication from Portfolio Recovery associates about an amount they claim I owe of XXXX. The letter was dated XXXX XXXX, XXXX to establish the debt was validated. In the letter I received a billing statement. A billing statement does not show a binding contract per FTC XXXX letter from Attorney XXXX XXXX XXXX. I am formally requesting a copy of any documents bearing my signature showing that I have legally binded in a contract to pay the alleged amount.
Product: Mortgage

The Money Source was informed by the XXXX County Assessors Office in XX/XX/XXXX that my taxes were reduced and no taxes were to be collected in XX/XX/XXXX. I called the company in XX/XX/XXXX and requested my overage in my escrow account be refunded and payments be reduced accordingly. The company stated the funds could not be returned until an escrow analysis could be completed which may take an additional three months or more and payments will not be reduced until that time. The Money Source is collecting more funds than required to fund the escrow account and not providing any interest on the amounts in excess of funds needed and have not reduced the monthly payment accordingly. The company is in possession of an overage of funds which should be returned to me promptly and not be able to take my funds and return them when its convenient for them. If the company decides to hold the funds they should pay me interest, since they are over billing me and refusing to refund the overage in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account opened XX/XX/XXXX and closed XX/XX/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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

This is my second complaint about Caliber Home loans. I originally called them in XXXX to let them know that I was ready to end my forbearance and start making payments but the payments were unaffordable due to long term decreased income due to covid and I would need a flex modification as a solution to covid post-forebearance. I sent in the complete package in XXXX and also called to confirm that they had received it all to which they said they had. Then in XXXX they said they hadn't received it all and I sent numerous items repetitively back to them. It actually felt like they were giving me the run around with the items they were asking for and they were changing the requests. I finally received a letter in XXXX stating that they had FINALLY officially received the modification package complete again ( though they had confirmed this in XXXX ). I then received a string of automated calls last week stating that I needed to call Caliber for a status update. I called and called and the system said that they were doing 'upgrades ' and that the system was down. ( Why they are sending automated calls for customers to call a system that is down is another problem ) So I called this morning on XX/XX/XXXX only to find out that we have basically started over. The rep asked me if I am ready to begin making payments and they will get me on a deferral program. I now am two months into this ridiculous process and we are restarting the process all over again. I have told them that I can not make the current payments and I requested a flex modification through the CARES act 2 months ago. She said all she can do is notate the account that I am ready to begin making payments and they will look at a deferral to begin the post forbearance solution. I can not begin to tell you how frustrated I am with this company. They said a modification takes 30-40 days to complete back in XXXX Its now been 2 months and they are starting over with everything. Absolutely awful company. It appears to me that they are trying to get customers stuck in the weeds as long as they can until they are forced to exit out of Covid Forbearance quickly... thus forcing them into a deferral last minute. CFPB needs to know what a mess this is and how difficult it is for customers to navigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in my XXXX XXXX for a XXXX on XX/XX/XXXX. The payoff was done late by the dealership causing a negative mark on my credit and over XXXX points being removed. XXXX corrected the problem partially. I should have my XXXXpoints added back plus points for the payoff. In addition the account should be shown in a positive not negative way like it is. Account was paid in full due to a trade in.
Product: Checking or savings account

XX/XX/2021 - Recieved a debit, credit card in mail from Chime, plus multiple emails welcoming me to my new account. I have repeatedly called and can not get through, have been hung up on, tried over 15 times to call to report fraud. Finally got ahold of someone and then Received email that the only way to close account is to send my drivers license photo- front and back. I am a victim of fraud and will not send more personally identifiable information, especially not through email. Reported to Sheriff and they advised the same. Filing a police report. So far, no one at Chime is bothering to help with fraudulent account. Very, very upsetting. The phone number on their website is XXXX but it is impossible to get ahold of some there.
Product: Credit reporting or other personal consumer reports

This is in response to CFPB complaint XXXX. NATIONAL CREDIT ADJUSTERS stated that they have ceased communication, but failed to address where I stated that the original creditor informed me that this debt does not belong to National Credit Adjusters, but it was sold to another company. National Credit Adjusters stated that they are waiting on confirmation from the original creditor, but my initial complaint was sent in XXXX. If you have not received confirmation by now, that is not my problem, and my consumer report should not suffer due to the lack of communication between your company and the original creditor. The continued reporting of unverified information not only damages my creditworthiness but also constitutes defamation of character. Given the persistent non-compliance with FDCPA guidelines, I must inform you that I am left with no recourse but to pursue legal action against National Credit Adjusters to seek relief, damages, and corrective measures. I am also aware of the lawsuit filed against your company in XXXX by the CFPB where your company engaged in frequent unlawful debt collection acts and practices that harmed consumers, including but not limited to, representing that consumers owed more than they were legally required to pay, which is the same event that is taking place in my situation. Furthermore, NCA is barred from certain collection practices. Lastly, this account was opened in XXXX the statute of limitation in the state of Texas XXXX 4 years. This debt is uncollectible as of XXXX which is also illegal and another violation. As stated before, I am demanding that this account be deleted from XXXX and XXXX immediately. Original documentation bearing my signature for this alleged debt was never presented. I have documented our communications and the specific instances of non-compliance, which will be presented as evidence in any legal proceedings. Remove the following account from my credit report within XXXX  days : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another CFPB complaint to reques to you to once again request to remove the fraudulent accounts and information from my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Under the Fair Credit Reporting Act section 605b, I am ordering you to please remove the following accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX - XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$460.00} XXXX XXXX XXXXXXXX Balance {$7.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX Balance {$0.00}. You have been failing to send me copies of proof of verification or proof of ownership to support your claims that the disputed items belong to me. In the absence of such documents, you should have removed the fraudulent items from my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorized this bank to pull my report for inquiry on XX/XX/21 and XX/XX/21.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car with XXXX and have made all of the payments and have continued to make all of the payments. At the time of XXXX, XXXX I got sick and was in the hospital and was having my throat cut for the second time. I called XXXX and advised them that my payment would be at the end of the month, and that my son, was making one also, and that I would be making another through the XXXX check. Sometime at the end of XXXX, XXXX after making all three of these payments and working with them they sent a man out in a truck and he advised that he was there to talk to us about the car. My husband told him there was nothing to talk about because I had worked it all out with XXXX and that I would be back in a few days and would be about to talk and explain it to them. He said that he was not talking to XXXX or us but that we needed to call them. My husband and my son went down to the lot of the place where he came from the next morning and explained it to his boss and they called XXXX and they advised that they had spoken to the supervisor and found my notes and everything was back on track going to be okay. I have consistently made payments to XXXX through my debit card or through XXXX XXXX or XXXX XXXX and since XXXX, XXXX they have been on time and not late and even before then we were on time and maybe late once or twice. XXXX went back into my credit report sometimes after XXXX, XXXX and placed that this car has been repossessed. This car has never left my possession and it has never been repossessed. When i called and questioned it on my statement they credited back {$50.00} as a late fee because they said that is all they could process it as because it had been added to the end of the loan. I will pay this car off at the end of this year and it has full coverage insurance and XXXX miles on it and it again has never left my possession.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a letter to Experian challenging unknown accounts on my credit profile. I asked for a full investigation to be done because these accounts were reporting different on each bureau and I was not aware of the information. Experian replied with a letter stating those accounts were verified but failed to send me any documentations that I requested or updated me on what was changed. I sent a letter back on XX/XX/2024 and asked for information that received that validated the accounts. I gave them more than 30 days to respond and they failed to do so. On XX/XX/2024 I sent another letter stating that they failed to respond and I want those accounts removed from my credit profile since I have no received any proper verification or I would file a complaint. It is now XX/XX/2024 and I still have yet to receive anything from Experian. I want these accounts removed ASAP since proper documentation has not been sent. My rights as a consumer have been violated over the course of these few months and I would like these to be resolved by the deletion of these accounts.
Product: Checking or savings account

this is the second complaint on the issue first one not resolved an di wont play phone tag any more or have my precious time impacted further or well being Sometime last year pnc deactivated my non profit acount but still charged fees to it. i did not know or receive any notice about fees did not know it was deactivated until XXXX at that time i asked for fees to be waived for 6 months and asked how it was that i was not noticed about all this and how they could take fees while deactivated. Got no notice of stmts and no online access so dont try to send a script that way. In XXXX someone named XXXX XXXX started to call me said she would help me. take fees off. possibly we have never connected and now its XXXX i cant wont spend time chasing her. i am too busy. i demand either the fees be waived or the account closed. the practice of deactivation of an account while still charging service fees I had no way of knowing were being accessed since i did not getstatements and thus could do nothing to avoid it is questionable at best. If pnc refuses to help which i predict then i am done. i will not pay fees esp in light of the above. Some XXXX named XXXX wasted my time in XXXX and said Sorry nothing can be done. I could are less wht he says do the right thing or i am done. you dont handle business this way. I have deposited large grant checks elsehere while this bank has XXXX call me for 3 months me ask her to help and she does nothing NO MORE wasting my time REFUND fees. I aint paying them HOW DARE This be handled with such red tape
Product: Debt collection

I received a call  from   XXXX   XXXX   XXXX     XXXX      XXXX   XXXX    ,  XXXX , IL  XXXX . A  "  XXXX   XXXX  '' left me a message to return his call at  XXXX , The call was spoofed as "  XXXX  '' I guess to appear as a local number so I would answer. I returned the call and talked to  XXXX   XXXX  and he advised me it was a an attempt to collect on an old  Capital One  credit card debt. I advised him I did not wish to speak to him about and and asked he not call me any more and he kept pushing me telling me to handle my responsibilities, get out my check book and the whol e nine ya rds. he just refused to accept that I did not want to speak to him. My issue wi th Capital One  is between myself and them. If they have chosen to sell the debt some day i  may  be able to resolve it. My complaint is this guy just continued to badger me over and over. He claims it was recorded. Please ask for the recording. the call was from  XXXX  which is my cell phone and i was at work. I do n't believe that spoofing numbers is allowable under the FDCPA Sectio n 807 : A debt collector may no t use any false, deceptive, or misleading representation or means in connection with the collection of any debt. I also think that the continual repetition of " taking care of my obligation, get my check book '' and general attempts to badger me simply because I refused to talk to him could be construed as a violation of sectio n 808 as well : A debt collector may n ot use unfair or unconscionable means to collect or attempt to collect any debt.  <P/> I want the calls stopped and I want an investigation into the violations I cited above