23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Debt repayment established with medical provider. Pay portion each month. Monthly payments cashed & clear my bank account by provider. 

Collection company, XXXX XXXX XXXX XXXX ( XXXX ), calls threatens me that I must pay everything NOW. Collection company informed via a XXXX XXXX XXXX XXXX XXXX XXXX  correspondence, a monthly payment already established with medical provider. Collection company NEVER responds to XXXX correspondence regarding the established repayment agreement with provider. 

Next, XXXX sells my account to collection company XXXX XXXX XXXX XXXX ( XXXX ). XXXX sells my account to collection company Wakefield & Associates ( W & A ). W & A records this fraudulent attempt to collect everything NOW to my Credit Report. This is false and causes me harm. Remove. XXXX failed to respond. W & A fails to respond. This is criminal fraud. 
XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an account listed on my credit report from XXXX XXXX Account # XXXX ). I believe this account is being reported inaccurately and violates provisions of the Fair Credit Reporting Act ( FCRA ). I request an investigation and the deletion of this account from my credit file. 

Reasons for Dispute : Inconsistent Information Across Credit Bureaus : The " Date of Last Activity '' is reported inconsistently : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Similarly, the " Date Opened '' is reported as : XXXX : XX/XX/XXXX XXXX and Equifax : XX/XX/XXXX These discrepancies violate the FCRAs requirement for accurate and consistent reporting ( 15 U.S.C. 1681s-2 ).

Potentially Inaccurate Future Reporting : The " Date Reported '' by Equifax is listed as XX/XX/XXXX, a future date, which raises concerns about the timeliness and accuracy of reporting. 
Incorrect Account Balance and Status Details : While the balance is reported as {$0.00} across all bureaus, the remarks indicate it was " Charged off as bad debt '' and " Purchased by another lender. '' These notations are misleading and may inaccurately suggest unresolved debt. 
Inconsistent Credit Limit Reporting : The credit limit is reported as {$500.00} for XXXX and XXXX but {$0.00} for Equifax. This discrepancy can negatively impact my credit utilization and overall score. 

Failure to Reflect Dispute Status : The report lists " Account not disputed '' across all bureaus, even though I have initiated disputes. This failure to update the account status demonstrates non-compliance with FCRA Sections 611 and 623 regarding dispute resolution and proper notation. 
Requested Resolution :
Product: Credit reporting or other personal consumer reports

It's been over 30 days and the creditor has not updated information, nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal law they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible.
Product: Credit card

The company asked me for identity verification I provided it on two separate occasions and also made three separate phone calls and tried to talk with them very politely and ask them how did I get my checking account clear and verified my identity but yet I couldn't verify my identity for the card while my credit card that is but I definitely verified it for my bank account but yet they're both the exact same company and I used the checking account to pay on my credit card my complaint is why would they charge me interest on some small amount that's due which I will always pay my bills that's not an issue my issue is why do you want me to pay on a card that I can't use and also on top of it they made a couple of mistakes cuz I looked over my bill and I paid my balances all on time but yet now they're missing my credit up over some petty {$16.00} and the bad part about it is is I did pay my minimum balance every single month and have proof of it so they're wrong for that and I'm very upset I would just like some help with this please because somebody needs to let them know that this is not cool to do to people because when I'm at the store trying to use my card and it's embarrassing and also it's inconvenient and I'm pretty upset and hurt about this because I really trusted this company and I also have my banking account through them that I use daily I wish we could resolve this they won't even send me a new card they trying to act like I'm somebody else or something like that and that's not even possible because I've showed them proof of my social security card my identification of showed them everything possible I can think of to prove who I am it's not that hard for them to see and then they said that my card was undeliverable which I know isn't true because the other card that they sent me came with no problem
Product: Credit card or prepaid card

I was denied for this credit card, but it still shows up on my credit report that its active. I dont understand why when I never received a card or was notified of anything only that I was denied. So I dont think it should be on my credit If I never received it or am I using this card
Product: Mortgage

I've been making additional principal payments since XX/XX/2020 ; however, these payments are not being applied to my principal balance in a timely manner. I have to call United Bank on a monthly basis to have them apply the payments to the principal balance. If I do not call the payments will not be applied even after the regular monthly payment has been satisfied. I've been told on numerous occasions that my account has been noted to apply all additional payments to the principal balance but this is not occurring.
Product: Debt collection

After disputing the validity of the debt on ( XXXX/XXXX/16 ). JNR Adjustment sent copies of documents with no proof that I contracted with anyone. See XXXX. Furthermore their is no proof that said company has been assigned this debt. I am contacting you presuit due to actions that violate FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in XX/XX/2019 I made the mortgage payment through XXXX 's website. The next time I signed in to pay my XXXX payment, I received a prompt that my mortgage was going into foreclosure. I called them immediately and they said I had not made XXXX 's payment. I checked my bank statements and realized the money was never transferred. I made the payment immediately and made both XXXX and XXXX payment. My credit score has dropped over 100 points because of this. I made multiple attempts to get this resolved. 

In addition, on my XXXX  report it states I was late in XXXX and XXXX of 2019. I called XXXX about this and they said there were no late payments in XXXX or XXXX on my records. I asked them if can they provide proof of my on time payments so I can clear it with XXXX. They said they will not send me anything.
Product: Mortgage

My basic issue is that a principal curtailment payment was not accounted for correctly when my loan was transferred to the new servicer. The two-month delay in between when I made the payment to Freedom ( before the transfer ) and when it was credited to my loan balance by the new servicer ( after the transfer ) has resulted in extra interest erroneously accruing during that two-month period ( and continuing to accrue, though in much smaller amounts since the principal payment was credited ). 


XX/XX/year> - I made a {$5000.00} principal payment to Freedom XX/XX/year> - mortgage statement from Freedom showing receipt of this {$5000.00} XX/XX/year> - mortgage statement from Freedom showing balance of {$700000.00} XX/XX/year> - welcome letter and mortgage statement from new servicer ( XXXX ) showing balance of {$710000.00} ( thus not accounting for {$5000.00} payment ) XX/XX/year> - servicing officially transferred to XXXX XX/XX/year> - mortgage statement from XXXX showing receipt of the {$5000.00} ( presumably from Freedom ) on XX/XX/year> So when I made my regular XXXX payment to XXXX XXXX before XXXX XXXX the {$5000.00} principal payment, XXXX applied the payment relatively more to interest due to the higher principal balance it had on its records. I think XXXX did this correctly based on the information it had at the time. But the principal balance of the loan on XXXX 's books was not the actual principal balance of the loan. 


I spent much time on the phone and with emails with both Freedom and XXXX trying to find the missing {$5000.00}, and eventually somebody made a {$5000.00} principal payment to XXXX. I presume this was Freedom ; I suppose it could have been XXXX itself if it was XXXX that made mistake and found the money somewhere, but based on the relative amount of concern and level of customer service I've received from each, I'm betting the error was Freedom 's. Freedom 's latest response to me is basically, it's not our problem anymore, contact XXXX. No admission or denial of any error in the transfer, or -- at least in the latest correspondence -- any evidence that they understand my complaint or care to understand it. 


I feel like this should have been a relatively simple issue where someone at Freedom involved in the transfer compared the information sent to XXXX with Freedom 's own records, and said, yes, there was a discrepancy, let me fix it. And that may have happened and resulted in the {$5000.00} payment to XXXX. But I have not been made whole due to the extra interest accruing.

( note : there was a separate {$200.00} principal payment to Freedom that was also treated the same way, which I have left out of above for the sake of simplicity )
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which ante cedes the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to.a consumer to any consumer reporting agency if the person knows or has reasonable cause. to believe that the information is inaccurate.
Product: Debt collection

I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me with this time is XXXX statement that dont have my full legal name and an address that I never live at. To this Alleged account that you can not prove is mine. I know this account is not mine because you showing me my XXXX XXXX address we have the same name. 

Furthermore, I request verification of the alleged debt, specifically, a copy of a contract or Original Purchase agreement. Said contract or Original Purchase agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe. Please include all the terms and conditions that are in this said Contract or Original Purchase agreement. 

XXXX non fit XXXX is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You MIDLAND CREDIT XXXX knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXX non fit XXXX
Product: Credit reporting or other personal consumer reports

I DIDNT HAVE ACCESS TO MY EXTRA ACCOUNT BECAUSE PHONE WAS STOLEN AND WALLET, GOT NEW NUMBER. TRIED CONTACTINGEXTRA FOR MONTHS, SENT EMAILS. TRIED TO CALL. NOTHING GOT RESOLVED. THEY CLOSED ACCOUNT BEFORE I COULD RESOLVE ANYTHING. I HAVE NEVER BEEN LATE, THEYVE BEEN LYING ABOUT LATE PAYMENTS ON MY REPORT! ALSO SENT DISPUTE LETTERS FOR A YEAR AND NOTHING HAS CHANGED NOR HAVE THEY RESPONDED! 


I GOT XXXX  AND LOST MY JOB AROUND THAT TIME AND MY CREDIT HAS AND IS STILL BEING AFFECTED BY THIS!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next XXXX days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to Retain much less report without infringing my consumer rights. 

You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to Potential identify theft. Immediately delete any and all social security numbers that your company is reporting on my credit report. 

My date of birth is XXXX do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

Thank you, in advance, for honoring my requests. Its my understanding that you have up to XXXX days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit report showing these changes mailed to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX. Thank you. 

Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/2024 I checked my consumer credit report and noticed 2 XXXX XXXX XXXX XXXX accounts that don't belong to me. I filed a identity theft report with the FTC reference number XXXX ( attached ) and a police report with XXXX police department ( attached ) .15 U.S. Code 1681c2 - Block of information resulting from identity theft
Product: Credit reporting or other personal consumer reports

Ive just recieved my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. In accordance to the FAIR CREDIT REPORTING ACT, XXXX  account # XXXX XXXX XXXX XXXX XXXX, and as well as a fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 602 A states I have the right to privacy 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent If you have any questions or concerns i can be reached at XXXX XXXX XXXX
Product: Mortgage

This is my second complaint with regards to the same issue at PNC mortgage. The roof of our residence was damaged in the hailstorm on XX/XX/2017. Our insurance company has issued us a check so that repairs may be performed. The check is made out to PNC. I have sent the check and all of the necessary paperwork and PNC is still stating that they do not have the paperwork. ( I have sent the insurance adjuster 's estimate from XXXX XXXX at least 3 times. ) I have a contact with PNC mortgage named XXXX XXXX, and when I have tried to call or email her, the email comes back as 'undeliverable '. 

Complaint number XXXX
Product: Credit card or prepaid card

I have a charge on my statement from XXXX XXXX for {$14000.00} dated XX/XX/XXXX. this transaction is fraud and I reported this charge to chase as fraud by phone, and again by a letter. At first Chase gave me credit for this transaction in XX/XX/XXXX, but later Chase made me crazy, dragged the process and ultimately they closed the case and rebilled my account without merit.
Product: Credit card

As a XXXX, past XXXX years had been extremely difficult for me. I started having issues on payments, and most of my credit debts were sent to collections. And recent years I have been trying to recover from this financial crisis. And that 's how I started making payments on my Discover card debts. Initially I 've contacted XXXX in XX/XX/XXXX to resolve issues on my debt, and my understanding was we have settled the debt by making consecutive payments of {$300.00} per month for a year. So I 've been receiving documents stating {$300.00} was being applied to the settlement balance until XXXX of XX/XX/XXXX Since then I was n't receiving any documents, it led me to think my payments had ended and account was finally settled. But beginning of this month, I ran a credit report and surprisingly found this account is still bad and even had a judgement on it. And when I spoke to XXXX XXXX at XXXX who represented the Discover Bank, I found out for the first time, I had to call them to re-authorize them to debit from my account when I stopped receiving the letter from them. And I found out after making more than {$3400.00} in payments, I still owe {$4500.00} when the original debt amount was {$5300.00}. I 've tried to seek a solution with XXXX, but they were telling me it was my responsibility to call and re-authorize them to debit from my account and continue making the payments. Despite of my lack of knowledge on how to settle any type of debt, I 've tried my best to resolve this matter and made prompt payments by automatic withdrawal. It is hard to believe, I still owe so much in interest when I 've already initiated the payments in XX/XX/XXXX and made {$3400.00} in automatic withdrawal. It is my sincere apology that I could n't repay the debt on time due to my financial difficulties, and I truly want to resolve this matter ASAP. I 'm an ordinary US citizen who did n't have any professional knowledge on how this debt repayment/settlement works ; please help me find a reasonable solution to this matter. As XXXX XXXX XXXX is not willing to help me in any way, I did n't have any contact to seek help. Could you please help me? 
Please let me know if you need any other information. 
Thank you very much for your help. 
Sincerely,
Product: Checking or savings account

I was on the XXXX site on XX/XX/2023. They advertised a free trial for XXXX XXXX. I accidentally accepted it but cancelled within XXXX hour. They billed me {$29.00} immediately. I called both XXXX and XXXX and neither would help. The XXXX account and app was deleted from my phone so I will not have access to the account during the entire billing cycle. Chase refused to credit my account for the fraudulent charge.
Product: Mortgage

I would like to get a loan modification on my existing mortgage and no one is trying to help me with that. I am not satisfied with my new mortgage service. My loan was sold to them this past year from XXXX XXXX. I can never get anyone on the phone or any response to my emails. I am very concerned. I just want to talk to someone about a loan modification. Please. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Wells Fargo my " account originated as a XXXX, adjustable rate Pick-A-Payment account. The loan closed in accordance with the proper regulations and guidelines in place at the time of origination. The account was properly evaluated and a loan modification was approved for the account. '' The problem with that response is that I was repeatedly denied a loan modification that would allow me to keep my home while making mortgage payments within my means. Wells Fargo as no shame or bears no responsibility for the destructive Pick-A-Payment loans, which have since been deemed illegal loans, that they've upheld then and now as regulatory and fair loans. All of which are lies as they've been caught again and again violating peoples court ordered rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent off a letter on XX/XX/XXXX, XXXX to remove personal information that I didn't authorize on my credit report. According to the fair credit reporting act 12USC 1681. I have the right to privacy also according to 15 USC 6802. No financial institution is not supposed to share my information with third-party people. 

these are clear violations of my federally protected consumer rights.
Product: Debt collection

On XXXX a voicemail was left on my cell phone from the phone number XXXX. The message was This is XXXX XXXX. I'm calling from the document processing division regarding. Scheduled to be delivered either to your home a place of employment we have made multiple To contact you with no response, we are required to notify Delivered this is a highly sensitive matter and requires your immediate attention Please contact issuing office at XXXX Thank you. I contacted the number provided and was told I am speaking to XXXX XXXX XXXX XXXX XXXX  The woman I spoke to was named XXXX. I looked up this law firm and the only I who could find was her be in XXXX. No statement that this call was to collect a debt was given, which I am pretty sure is legally required. She stated I owed US bank {$6300.00} for a XXXX account and ending in XXXX. I was informed I could pay them {$4700.00} right now to settle it. I was told demand letters were mailed to three addresses, two former and one current, 45 days ago and that they had proof they were delivered. No such letters were delivered. I was told that if I do not pay them they would garnish my wages, and levy liens against my property. I paid off any account I had with US bank 13 years ago. This is not the first time I have received these calls about this and not the first time I filed a complaint. I have in fact been receiving them for approximately 4 years. Each time they say that they are processes servers from whatever state I am living in and I need to call a law firm. I am sick of these calls and I want them to stop.