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

Sent to Discover/ No Response XXXX XXXX XXXX Vice President / Deputy General Counsel and Assistant Secretary Discover Financial Services XXXX XXXX XXXX XXXX XXXX, IL. XXXX RE : Conditional Acceptance of Payment Claim Discover Card ending in XXXX Dear XXXX XXXX XXXX, I am writing in response to your recent reminder in which you claim that I am obliged to make a payment to Discover Financial for services and / or goods provided. I appreciate your attention to this matter and am willing to consider the claim on a conditional basis, subject to the fulfillment of the following conditions : Signed Contract : Please furnish a copy of the signed contract bearing my wet ink signature. This contract must clearly outline the terms and conditions agreed upon by both parties and demonstrate that I have willingly entered into an agreement with Discover Financial Services for the provision of services and / or goods. 
Itemized List of Services and / or Goods : Please provide a detailed and itemized list of the services and / or goods that you claim Discover Financial Services has provided to me which warrants the payment. This list should include a comprehensive description of each service and / or good, the associated cost, and any relevant dates or timeframes. 
Upon receipt of the requested documentation, I will thoroughly review the provided information to determine the validity of you claim. If your claim is found to be legitimate, I will take the necessary steps to ensure prompt payment in accordance with the agreed-upon terms. 
Please submit the requested information within 10 business day of receipt of this letter. If I do not receive the required documentation within this time frame, I will assume that you are unable to fulfill these conditions and your claim will be considered null and void. Further, note that that the requesting payment devoid of a contract may be considered racketeering. 
If you have any questions or concerns regarding this matter, please do not hesitate to contact me using the address above. 

Thank you for your cooperation, and I look forward to resolving this matter in a timely and amicable manner. 

I have made numerous payments to them using the negotiable instrument that they provide with the statement to no avail. They have also froze my credit and I am unable to use my card which is an interference in commerce.
Product: Mortgage

After I submitted a complaint on XX/XX/2017 ( complaint # XXXX XXXX, Nationstar Mortgage said : Put my trustee sale " on hold ''. In fact, the trustee sale scheduled for XX/XX/2017. This is not on hold. It is on schedule. When your property is on auction, the public bombaded you by mail, by phone and by physical ( pound the door ). On XX/XX/2017, I sent a request to Nationstar to remove the sale from their calendar, I do not receive any response. This is a double cross ( Dual tracking ). Thank you.
Product: Mortgage

I received a delinquent tax due notice regarding my property for which Amerihome had purchased the mortgage. In XX/XX/XXXX, I contacted Amerihome and spoke with XXXX who indicated to me that my escrow account was incorrectly marked on their system as not escrowing for real estate taxes. Upon her research, she confirmed that my escrow was set up to include real estate takes and promised that the real estate taxes would be paid before XX/XX/XXXX. I confirmed that I had made all payments on time and had adequate funds in my escrow account. I contacted Amerihome again on XX/XX/XXXX after noticing that the real estate taxes still had not been paid. Another representative, XXXX, confirmed that the taxes had not been paid even though the account was correctly marked as escrowed for RE taxes and stated that the expected completion of the task was now XX/XX/XXXX but could not explain why the previous timeline had not been followed. I asked to speak with a supervisor - one was not available so she placed me on 24 hour call back. The next day, I received a callback from a supervisor who explained their tax department was struggling to match the legal description of the mortgage with the tax bill but could confirm the legal description included on the mortgage was included on the bill. He also told me to contact them on XX/XX/XXXX if I had not received notice the taxes were paid. I contacted them on XX/XX/XXXX as taxes still have not been paid and spoke with XXXX. She confirmed taxes still had not been paid and was unable to give a timeframe of when it should be completed by. I asked for contact information for the department working this but was denied access to that. As a member of my community that respects everyone paying their bills on time, I am being harmed by Amerihome Mortgage Company , LLC and XXXX XXXX Bank due to my real estate taxes not being paid on time
Product: Checking or savings account

Goodafternoon, my problem is that I did a mobile deposit to my bank ( Capitol One ) in XXXX XXXX of a {$1500.00} check. This was on a Friday, so I expected my check to be cleared on that Saturday. That didn't happen so on Saturday I went to a local branch to find out what was going on. I was told it was going to take a couple of days for this to happen. About 3 days pass by and I called the Bank to inform them that I wanted to cancel the check, the representative that I spoke with told me there would not be any problem in doing so because I informed him I needed the money so I was going to cash it at Check cashing place. Doing so he proceeded and informed me there would not be a problem with him canceling the check. I went and cashed my check elsewhere. On XXXX XXXX I realize my account has a negative balance of {$1400.00}. I called the Bank to find out why and they informed me it is because they adjusted the amount to my account. I asked to speak with a manager and I explained to her the situation and she informed me that once a check is deposited there is no way of canceling the check, but I clearly told her I had called and spoke to someone and they told me otherwise. She said she was going to retrieve the calls and find out what was going to happen, the representative told me someone would call me in 3-5 business days, and I heard from no-one. I proceeded and called back 5 days later and she informed me someone was trying to get in touch with me, but to my understanding no-one called me nor left me a message to call back. She told me someone was going to call me again but again no-one did. So today on XX/XX/2018 I called and no-one gave me an answer the representative I spoke with told me the same thing as before. He didn't give me a way to solve my problem or any other options.
Product: Money transfer, virtual currency, or money service

We asked Wells Fargo to arrange to close our account and transfer the funds to our XXXX bank account. This was arranged on the XX/XX/XXXX and we were promised the money by the XX/XX/XXXX, the transaction confirmation number was XXXX and the amount was {$9400.00}. The money did not arrive and following prolonged discussion with Wells Fargo the wire transfer was rearranged on the XX/XX/XXXX and we were promised the money by the XX/XX/XXXX.  Transaction confirmation number was XXXX. Again, this did not arrive. We have been in discussion ever since and have now asked for a bank check to be sent to us. We have been told that we can not have this until Wells Fargo have received the money back. We have said that this is unacceptable as we should not be kept waiting any longer for this money. The lady dealing with it is XXXX XXXX in the executive office and she has a case file open, number XXXX. 
She is sympathetic but says there is nothing she can do as responsibility for this is with the wire transfer department. We have asked for a senior manager to contact us but this has not happened.
Product: Debt collection

I received a letter from the company about a debt that I am not familiar with. I have never done business with the company and I am not sure where this is coming from. I believe it is a result of Identity Theft.
Product: Mortgage

Original complaint # XXXX Within the previous complaint I filed US Bank admitted ( in their written response ) they initially thought funds that were credited to my account were from the HAF Program. US Bank stated in the letter that the funds were from the loan modification ( which I was only aware of the distribution of payments/funds XX/XX/XXXX when I called to inquire. 

( Please see statement from US Bank response to previous complaint ) " On XX/XX/XXXX, you spoke with an agent regarding cancelling the modification and using the HAF assistance funds to bring the account current. The agent informed you that HAF funds had been applied to your account and they would attempt to cancel your modification. Upon further review, we determined the funds that were applied to your account were the result of the loan modification, not HAF funds. '' I was not aware of the funds being applied because of the loan modification and not HAF ; therefore I received incorrect information pertaining to my account. 

The account is current because I also had to make a payment with the loan modification. US Bank also failed to include in their response that I applied several times beginning XX/XX/XXXX until XX/XX/XXXX ( denied several times and received incorrect information from US Bank representatives ) for a loan modification with the same information that was used to complete the last request ( XX/XX/XXXX ) for a loan modification. This process alone was extremely stressful due to the COVID pandemic as well as financially due to the hardships I experienced. 

I also forwarded my HAF Award Letter on XX/XX/XXXX as well as called several times in reference to US Bank receiving the letter. From my understanding the award letter could be forwarded to the lender as a correspondence to show the customers award amounts. I also forwarded the letter which clearly show forward payments for 18 months. The loan modification was completed on XX/XX/XXXX which is after the award letter was sent via email. The funds for the past due balance were sent back because US Bank purposely waited until the timeframe to cancel the loan modification had passed. I'm still unsure if my forward payments will be applied to my account once they are received from HAF. 

I have attached the HAF Award Letters ( which was sent to the XXXX email address ) as well as my initial mortgage assistance application and hardship dated XX/XX/XXXX ; which is the time I initially requested assistance to bring my account current
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX This is not mine. It was open fraudulently. 

It is on all XXXX  bureaus : TransUnion, XXXX, and XXXX.
Product: Mortgage

My husband died XX/XX/XXXX. We had fallen behind on our mortgage payments with Ocwen Bank and they threatened to foreclose. We can not make any more payments because our income is very low. They call our home and cell phones XXXX times a day 7 days a week. California just passed a bill to stop robocallers. Can you please help me? Thank you.
Product: Mortgage

My father passed away XX/XX/2016 and ALL of his effects, computers, everything was taken by a family from over XXXX yrs ago, he was paying the mortgage. They contacted Ditech and had all documents pertaining to my house and mortgage mailed to them, which means we had no way of contacting them ; no knowledge of even how to pay or who the loan provider was. We happened to find a paper in the house with Ditech on it and it turned out to be our loan provider. DItech our mortgage provider, we were snapped at and said that we ARE NOT the contact and they hung up on us. WE LIVE in the home and my mom owns half the house. But we had to wait until the court-appointed to discuss with them. That happened on XX/XX/2016. Almost XXXX months after he died, interest is still accruing, no payments made on the house yet. Then I contacted Ditech. I sent in all needed documentation. I spoke with a XXXX 
Ditech/XXXX then tells me my home is dangerously close to foreclosure, meanwhile, WE HAVE GOTTEN NOTHING WRITTEN BY THEM. I asked for an email, and they said they do not email anyone outside of DItech. I told them they had been dealing with some other person without any proof from the courts and that was irresponsible and reckless and now we are near defaulting on the loan. They are asking for XXXX paid at XXXX TIME!! This is unreasonable. We have nothing in writing ever sent to our house about anything regarding payments or the status of the house. 
I was feeling overwhelmed with this, so I asked a family friend to speak to them on my behalf and they asked for a written authorization, signed by me, allowing him to discuss terms of the estate. I have done everything they have asked ; all documentation sent. NOW, they are just dodging our phones calls, no responses, I email, I call, I leave messages, our family friend is doing the same, they are not responding. INTEREST is accruing and we want to figure this out. WE ARE NOT TRYING TO REACH FORECLOSURE. We just want to figure this out because Ditech allowed our information to be given to this other family prior to the court-appointed XXXX being authorized. If we had known or were allowed to speak with someone instead of being hung up on we could have made arrangements months ago. It should be illegal to just allow anyone to talk and change an address on someone else 's mortgage.
Product: Money transfer, virtual currency, or money service

PayPal closed my account with {$1100.00} for no reason in 2020 and will not help me with getting it back up and going.i am not sure if this is some mistake as assume it was to be .I have not been able to get help for days now but I just remember I could file a report on here as I feel they are not doing their job properly and it as affected me a great deal as I use PayPal quite frequently my email linked to my PayPal is XXXX XXXX
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account CONN CREDIT CORP which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CONN CREDIT CORP was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021 I mailed a demand letter to TranUnion, regarding alleged accounts on my credit reports of which I am not familiar because the account numbers states. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, US DEPT ED XXXX, In the letter I notified TranUnion that pursuant to FCRA 623 of their responsibilities and pursuant to FCRA 611 ( 15 U.S.C. 1681I ) Procedure In Case Of Disputed Accuracy they are to investigate and delete any inaccurate information on my credit report. As of XX/XX/2021, I have not received any response regarding my demand letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These inquiries must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I have got many calls from Atlantic Recovery Solutions ( ARS ) staff IRA XXXX regarding a fake debt. I have communicated with both XXXX and XXXX. No such claimed " {$1200.00} transaction '' to another party ever occurred at XXXX, neither was XXXX rejected by XXXX. ( this was also claimed by Mr. XXXX that my banked notified me the return of ACH by XXXX in XXXX of XXXX ) I went to the bank in person and I got the transaction statements for the month of XXXX to XXXX. None of them have shown any rejected ACH. See attached XXXX statement not showing such transaction in the history and no ACH rejection in XXXX. See attached statement from XXXX for the month XXXX, XXXX, XXXX and XXXX. MR. XXXX claimed that my XXXX account was suspended due to the non-payment. I logged on without a problem. My XXXX account history shows no transactions since XXXX. 

When I called XXXX to report ARS, I found out that ARS is faking to be XXXX member using a fake certification # on their website. XXXX XXXX XXXX has confirmed in the email that they can not take actions towards their fraud debt collection due to the fact that ARS is not a member. Please see attached email communication.

When I called ARS to question their validation of debt process. The staff said they " bought '' debt from XXXX XXXX XXXX which is another made up company with fake phone #. See attached XXXX search of the company as well as their fake phone #. I have statements from both XXXX and XXXX to prove that they have fabricated this " debt '' And they illegally bought my SS #, DOB, old and new accurate address. I had to freeze my credit through XXXX XXXX. The staff, IRA XXXX, threaten to ruin my credit if I didnt pay at least {$800.00} by the end of day on XXXX. I would also like to file a complaint against the threat. I have serious doubt regarding this company being a legit company. I will bring this to XXXX and Attorney General. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several wrong addresses that are being reported as mine on my credit profile and also there are multiple XXXX XXXX  and chase hard inquirys I have not done back to back and lastly there is a {$300.00} medical expense that was reported and that is not my bill. I was not in Florida at the time of the opening date of the file. Also that one medical report and credit card checks brought my score down 101pts in just a few days. I am very upset and need this fixed immediately. There is fraudulent activity going on and also false very negative affective reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, this company named Rise signed for an letter that I sent certified with a return receipt asking for proof that an amount they say I owed in the amount of {$650.00} that i found on my credit report. I do not owe this to this company and I'm asking for help in getting proof that RISE has a contract bearing my signature, which I know it does not. I am still waiting for the contract with them as of XX/XX/XXXX. The only thing they sent was a letter saying my claim was frivolous. If they have a contract they can send it the same way they sent me a letter saying it was frivolous. This is an account from XXXX that I know nothing of.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : I am filing this CFPB complaint to request that Experian, pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ), block information on my credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : 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  -- - These accounts have led to several unauthorized hard inquiries and fraudulent collections on my XXXX credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud. 

Enclosed is a copy of the FTC Identity Theft Criminal Complaint # XXXX ( XXXX ) # XXXX ( XXXX ) as proof from the XXXX Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX ACCOUNT THAT IS ON MY CREDIT REPORTING DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF THE ACCOUNT. I HAVE PROVIDED PROOF THAT XXXX DELETED THAT ACCOUNT OFF MY CREDIT REPORT AND EQUIFAX NEEDS TO DO THE SAME BECAUSE THAT IS A VIOLATION. SEND PROOF THAT THIS DEBT BELONGS TO ME. EQUIFAX DID NOT RESOLVE MY ISSUE. THIS DEBT CANT POSSIBILLY BE MINE IF IT HAS BEEN DELETED OFF MY XXXX CREDIT REPORT. THIS ACCOUNT NEEDS TO VE REMOVED OFF MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed certified letters to XXXX, XXXX and Experian informing them that incorrect information existed on my report pertaining to unauthorized inquiries. I attempted to contact the companies directly however to no avail. I also reached out to the credit bureaus individually, on XX/XX/2023 informing them that certified letters demanding prompt deletion of these inquiries, as required by federal Statute 604 under the Fair Credit Reporting Act, had been mailed. All three bureaus refused to adhere to the law and refused to do all that they could in that moment, to protect me, the consumer, my rights and privacy.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally lodge a complaint against XXXX XXXX at XXXX XXXX and XXXX XXXX XXXX, XXXX, Equifax XXXX XXXX regarding their inaccurate reporting of a debt that does not belong to me. The reported debt of {$6500.00} has been erroneously attributed to me and has been adversely affecting my credit profile for an extended period. 

In XXXX XXXX, I entered into a corporate lease agreement with XXXX XXXX XXXX XXXX XXXX for my XXXX  business, which did not include a personal guarantee. Attached herewith is proof of the original lease application clearly indicating the business nature of the debt. It is imperative to note that this debt pertains solely to my business and should not be reflected on my personal credit report. On top of the fact that this was a business debt, this debt was for a business I do not own, I was just a member of the business completing the application as authorized. 

I hereby request that all major credit reporting agencies promptly remove this inaccurate data from my credit report. Additionally, I am seeking compensation in the amount of {$1000.00} for the inconvenience, financial hardship, and violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite my direct disputes and requests for investigation, the credit bureaus have failed to conduct proper investigations and update their records accordingly, further exacerbating the financial impact and stress caused. 

I expect a thorough and expeditious investigation into this matter, compliance with FCRA guidelines, and prompt resolution of the inaccuracies on my credit report. Please acknowledge receipt of this complaint and provide me with a timeline for resolution. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX