23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX @ XXXX. The envelope came to my address with a sticker that had my name on it. In addition the envelope merely had a return add., no company name. I thought that it was an advertisement. Upon opening the letter I truly believed that this was an advertisement, or a scam. The letter had NO creditor listed. They were merely offering me a " Winter Tax Savings ''. I was offered no opportunity to even dispute this alleged debt from the unknown creditor. This is the first and only communication that I have ever rcvd from this office. Additionally, the signature is a photo copy of " XXXX XXXX '' 's signature. The letter also states a current balance of {$340.00}. However, the offer is for " 25 % off of the current balance due and owing ''. How much are they demanding? They also state that the payment must be made in a " lump sum ''. If this is a valid debt, from a valid creditor, they can NOT demand payment in full. Also they have failed to provide their consumer debt collection license. 
This Law firm has clearly violated the numerous laws within the FDCPA and furthermore my consumer rights. 
I am asking for immediate sanctions to be brought against this firm, and they should be thoroughly investigated.
Product: Credit card or prepaid card

I bought a vanilla visa gift card but I couldn't use it online it wouldn't go as credit or debit with it without a pin #
Product: Mortgage

It took me a long time and a lot of effort to get a loan modification from XXXX, they made it very difficult and denied my applications many times, one time because they said I had enough money and another time because I had not enough. Finally, in XXXX of 2013 I received a congratulations letter ( I have a copy of that letter ) stating that I finally was approved after the three-month test period of paying the modified amount each month. ( I have copies of all the checks I paid at the trial period ) At this time I received a document to sign and notarize but I had some questions regarding flood insurance, XXXX was not answering my calls and if they answered they did n't know anything to guide me on how to proceed and finalize the loan. I sent them a letter begging for help and they answered that Green Tree was now handling my modification and they had all the information and will honor my case. ( I also have that letter ) I called Green Tree and they told me that they were very busy with the new situation and I should call them back some other time. I keep calling them every day and got very vague answers to my questions. ( one time they told me to call back in tree months, I swear it is true ) Later on, they told me that I had to pay the regular monthly payment I paid before the modification, I argued and then said that I could pay the amount of the modification but I could not trust them because never gave me any contract or paper to sign, they just did n't care, everything was very unprofessional and I could not trust them at all. I gave up, I was exhausted and frustrated my health was deteriorating and I had to be treated for XXXX XXXX XXXX. I never heard from them for a while, then a year later they started sending me bills that I owed as if I never had any modification plus interest late fees and everything, the amounts were way too high and I could not afford to do anything and it was no way to talk to them because they have unqualified people answering the phone that are only trained to put pressure on you. Now I 'm in foreclosure and the day of the hearing is the XXXX of XXXX. Is anything I can do? I have a lawyer that sais I have no case and the best thing to do is accept the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit inquiries that are listed on my credit report arent mine. I have not applied for anything at all. I also put that if anyone applies for credit the credit bureau will have to reach out to me. None of these companies called me so someone is out here applying for credit and none of The companies called to verify that its me. 


XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Product: Vehicle loan or lease

I have a loan for a trailer with truist, I paid them for a period weekly until I saw that the balance is not being applied it was in a limbo state. I called them and they informed me that the money in limbo would only be applied at end of year for interest. I went to a branch and they allegedly fixed the issue and it showed I had a payment of XXXX due and that it would be need to be paid which I did XX/XX/year>. A few weeks later I get a letter saying| was behind on my payment of XXXX. I went a branch and was told different then last person that that money was never there even though I had for months had it showing and showed them the screen shot of the info and the full log page. 

The teller said oh well not my dept call the XXXX XXXX. I did a online call back XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX no call was made to me. I called the XXXX XXXX and have been passed around to a rep who was rude and dismissive after a XXXX hour and XXXX XXXX minutes no answers to my question. They are being very shady and telling me multiple things all in their favor. I have screen shots I can provide
Product: Checking or savings account

On XXXX 2016, Bank of America closed my IRAs, withheld taxes, and mailed checks totaling {$23000.00} and XXXX to my ex-husbands address where I have never lived. They mailed it to that address even though they had my social security number, and my updated name and address on two other active Bank of America accounts. 
I discovered this when I went to consolidate my assets this past summer. After 8 different meetings and numerous phone calls, Bank of America refused to re-open the accounts, file an amended XXXX or provide any other means of compensation. I have now paid over {$10000.00} in taxes and fees associated with these closed IRAs. 
If they had not closed these accounts, I would have been able to take advantage of the 60 day rollover option and avoided paying taxes. The timing was particularly damaging in that Bank of America closed the account in XX/XX/XXXX of my last year of employment, which will be the highest taxable earnings of my entire 44 year career.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried calling TransUnion today to get acces to their Mobil app from the XXXX XXXX XXXX XXXX so I could lock my credit file. There is no disclaimer in the XXXX XXXX saying I have to pay for this. I can log in on the website and lock my credit file fine. 

When I called support to discuss this the recording says it could be monitored for quality support. I advised that according to Colorado statute Im allowed to record the call as long as 1 party knew it was being recorded as A COURTESY. they disconnected me with out servicing my request. 

This is another example of corporations assuming they are not subject to local/federal law as and restrictions.
Product: Mortgage

It started here ( an email from XXXX XXXX formerly Nationstar Mortgage ) ( begin of email ) OnXX/XX/XXXX we made your Hazard Insurance payment of {$3300.00} to XXXX XXXX XXXX XXXX XXXX. Our next payment for this is scheduled for XX/XX/XXXX.
Just letting you know. There 's nothing you need to do.
Best, Your friends at XXXX XXXX ( end of email ) The problem is that I have TWO properties covered by XXXX XXXX XXXX XXXX, and XXXX XXXX mistakenly paid the Hazard Insurance premiums for BOTH properties ( which they have managed not to do in the past ). I opened a case with their customer service, and after a month, all they have managed to do is send me case information for another one of their customers. Someone is asleep at the wheel here. ( I 've attached the file they sent me. )
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation listed, they either pay me or delete these accounts ASAP. 

NATLCRSYS Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


XXXXXXXX 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 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 - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX - XXXX
Product: Debt collection

Illegal interest rate being charged/collected. Bulk of original pricipal paid before being send to collections. 

At collections at XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Original creditor acct - XXXX XXXX XXXX XXXX - XXXX
Product: Credit card or prepaid card

I have a credit card with Bank of America that used to carry balance. I paid off balance in full in XXXX, but in XXXX I was charged {$1.00} minimum interest fee. I called the bank and their representative was trying to convince me that it's an interest on purchases. However, in my statement it's clearly stated that no balance was subject to interest rate. After I pushed for connecting me with a supervisor, the representative talked to someone and gave me unclear explanation of the situation. He claimed that the change appeared because I had balance in the previous cycle and was subject to interest rate charge, which doesn't make sense since I paid the balance off. This month I made sure to pay off my balance and took sreenshots of my account to have a proof, yet I was charged another {$1.00}. It's not that much cheaper money, but it's very unfair that Bank of America keeps charging me and their customer support can't even provide explanation of the charge.
Product: Credit card or prepaid card

This is my 6th incident... I had my direct deposit going to Netspend... I got a new card on XX/XX/2023. I checked my card there was a charge on XXXX for {$130.00} to XXXX XXXX made that I did not do.. Then i got a new card on XXXX ... this is card 6 ... I have called several times to XXXX where I have no account with them they can't find me nowhere in there system they won't talk to me any more without a court order I have called Netspend all i get is they are looking onto it every time I call they give me another date for a update Now they say I have to wait till XXXX for a answer to weather or not I'll even get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 16 inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1.XXXX, XX/XX/XXXX 2.XXXX XXXX, XX/XX/XXXX 3. XXXX- card service, XX/XX/XXXX 4.XXXX XXXX, XX/XX/XXXX 5.XXXX XXXX XXXX, XX/XX/XXXX 6.XXXX XXXX  XXXX, XX/XX/XXXX 7.XXXX  XXXX, XXXX, XX/XX/XXXX 8.XXXX  XXXX, XX/XX/XXXX 9.XXXX XXXX, XXXX XXXX 10.XXXX XXXX  XXXX, XX/XX/XXXX 11.XXXX , XX/XX/XXXX 12.XXXX XXXX , XX/XX/XXXX 13.XXXX XXXX XXXX, XX/XX/XXXX 14.XXXX  XXXX ga, XX/XX/XXXX 15.XXXX XXXX, XX/XX/XXXX 16.XXXX XXXX XXXX service, XX/XX/XXXX Please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter.
Product: Money transfer, virtual currency, or money service

My Cashapp account was closed unwarrantedly. I requested the issue be investigated and rectified XX/XX/23 in which I was informed to check my email for updates and I would receive resolution within 15 business days. As of XX/XX/23, I have been unable to receive any updates on the investigation of why my account was unjustly closed. I have reached out to Cashapp over 3 occasions to check the status and they refuse to give any update. They continue to tell me that my concern has been routed to the proper department and that is the only information they have at this time and to continue to check my email for further information. I have also requested for them to escalate or have a manager contact me to assist with resolution but no one ever follows up. They are practicing deceptively and violating my consumer rights. They unfairly closed my account and will not provide a substantial reason. They simply refuse to provide any update because I know I have not violated any terms for them to close my account.
Product: Debt collection

I have already successfully disputed the inquiries that were recorded on my credit report that were a result of bad faith and identity theft. I am now writing to invoke my specified remedy for the damages done to my life. The damage done to my credit report and credit score due to the inquiries that were on my credit score hindered my ability to make critical financial decisions for my business, which is the source of my income. The damages that were done directly impacted my XXXX XXXX XXXX XXXX, have taken away my time & energy to fight for my rights as a natural person, and have affected my family relationships due to the XXXX XXXX. The abusive practices of elaborate mechanisms who assume a vital role in determining my credit standing have been tearing away at my life. It has made living this life a XXXX and XXXX XXXX and nobody should have to go through the XXXX XXXX XXXX XXXX  of not having enough to make it each and every month that goes by. The damages done to me are worth much more than my requested {$22000.00} and I could be adding much more to the invoice I have already sent for all the hardship that I was put through as a result of the abuse and deceit, but I will settle with the {$22000.00}. The civil liability sections under the XXXX XXXX XXXX laws that I have added into the letters I have sent protect me as the consumer and hold Equifax liable to providing me with monetary remedy for the misrepresentation, XXXX XXXX XXXX XXXX  done.
Product: Student loan

They have e been taking mine and my husband 's federal tax check for the past 2 -3 years. I feel that we have paid my loan in full. We have struggled every year, almost lost our home because of them taking our tax money. Never was sent no amount of what was due, or a statement.
Product: Vehicle loan or lease

I went to purchase a XXXX XXXX XX/XX/2020. I had been emailing with the salesperson about the price and had been comparing prices at other dealerships. When I explained that I was considering another dealership because of a better price, I was assured that XXXX would match the incentives offered by the other dealership. At the dealership, we agreed on a selling price of a flat XXXX. We agreed on an out the door price of XXXX plus XXXX gap insurance. I put a payment of XXXX down and said I would return later in the day due to child care. When I came back and was signing the paperwork I was assured again of the price. They moved me through the process quickly because I had childcare issues. However, upon examining the paperwork a couple of days later at home, entirely different figures were on the contract. The out the door price with gap insurance was XXXX more than I had agreed on. I was lied to and cheated out of my money.
Product: Credit reporting or other personal consumer reports

I am victim of the XXXX data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a )
Product: Debt collection

I get multiple calls from XXXX, XXXX, XXXX, and other numbers. Sometimes its a person most times they just hang up when i answer. They ask for my social security number or address to verify my identity and will not tell me any information. One representative told me if i did n't verify my information they would just begin seizing property from me. Multiple calls a day up to XXXX.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Hi, I woke up on XXXX to my CITI mobile account saying " account closed '' I called CITI as I did not close my account and was told that there is a block on the account. FOUR hours after being on the phone and being told " we don't have a supervisor to help '' I have direct deposits coming into my account and absolutely no idea where my money is. I have gotten nowhere. Tried calling the Corporate office and was told that they will take 15 days to investigate. FIFTEEEN days? Where is my money. I work very hard for my money and trusted CITI with it and now I have no access to my money and have bills to pay. This is unacceptable.
Product: Checking or savings account

On XX/XX/XXXX I deposited {$2300.00} into my Wells Fargo account ( # XXXX ) along with another check of {$150.00}. After 4 months, XX/XX/XXXX I received a notice from Wells Fargo ; " Transaction Correction - Mobile Deposit check posted twice - Ref # XXXX amount XXXX. " This money was withdrawn from my account. After numerous phone calls to Wells Fargo and XXXX amount of time on HOLD, they where unable to locate the Transaction that the check was deposited twice. Four months after the deposit, they are still unable to find where the funds were deposited twice? They simply said they would send me a letter. No reason as to why they where sending me a letter. 

I need help in getting this money back in my account. 
XXXX XXXX XXXX, XXXX
Product: Credit card or prepaid card

I have called over three month to close my account with HSBC. They confirm the account is closed, but later I again discover is was not closed. It is a dispute for {$4.00} pending, but this should not stop the account closure. 

HSBC XXXX XXXX Mastercard Change account Card number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX  XXXX Balance {$0.00} US DEPARTMENT OF EDU XXXX Balance {$0.00} US DEPARTMENT OF EDU XXXX Balance {$0.00} US DEPARTMENT OF EDU XXXX Balance {$0.00} US DEPARTMENT OF EDU XXXX Balance {$0.00}
Product: Credit card

I had an XXXX XXXX XXXX card. Somehow XXXX took over the card and my XXXX XXXX got transferred to them ever since XXXX I 've had issues logging on late fees and overlimit fees accrued and I cant seem to catch up on the card I called on XXXX/XXXX/2016 to ask for assistance since the payment never seems to go down and Im having financial difficulties since I got a big pay decrease at work. All they could offer was for me to just pay the minimum and keep accruing the late and over limit fee. They have no assistance in helping repay a card I do n't even want. I never had any issues with my XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On the day of XX/XX/XXXX, I mailed off a letter to XXXX/XXXX XXXX XXXX. in that letter was a statement saying that the company agreed to delete/waive a late notice that was marked on my credit report XX/XX/XXXX when they decided to cash a check I also included in the envelope. The check included was in the amount of {$190.00} for the payment of that month. XXXX converted the check to a digital check and cashed it, but the late notice was not removed from my credit report.