23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today, XX/XX/2021 I communicated with a American Express representative in reference to number # XXXX which was provided to me during phone call. 
During the call, I stated along these lines : " Hello I am sending contacting you today regarding account numbers ending in XXXX, and as I recall, the accurate and original account balance is and should be in the amount of one thousand dollars ( {$1000.00} ). 

The primary reason for this communication is to possibly further discuss and in good faith agree upon a decided resolution regarding this matter. 
Perhaps, in the event that-not only the information that is reported is accurately verified and confirmed completely, without any informational discrepancies-the Investigation Department on behalf of AMERICAN EXPRESS is, in all fairness and understanding, and kindness willing to accept my communication and request with regards to the details mentioned earlier ; I am most certainly willing to further discuss and come to a mutual agreement in order to successfully resolve this issue. '' The company rep then proceeded with giving me a email address to a separate department within the company to send a formal inquiry, I then typed up and sent my communication to the email address provided and then received a " Address not found '' message in return.
Product: Credit reporting, credit repair services, or other personal consumer reports

There want be anymore investigations or disputes in this matter, the fraudulent negative accounts as seen on my credit reports still today [ XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XXXX ] are now involved in litigation and will be handled in federal court. Thank you and have a great day.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX "
Product: Money transfer, virtual currency, or money service

Need to verify my bank account information and cant do it electronically
Product: Student loan

While attempting to refinance my mortgage, my lender notified me that I had a delinquent account with American Education Services. I logged into my account and noted that I currently owe XXXX dollars and searched through my account related letters and billing statements, noting that there were no bills located within the account. I emailed AES on XX/XX/XXXX and XX/XX/XXXX and spoke to AES representatives on XX/XX/XXXX and XX/XX/XXXX. 

During my conversations the customer service representatives could not find any bills related to the account, and, were unable to find information related to why the accounts were listed as defaulted. The first representative encouraged me to sign a formal letter asking for confirmation and copies of bills related to the account given that I had never received them. He then told me ( on XX/XX/XXXX ) that I would receive a form in my email that I could sign that would " bring the account current '', no such email was received and I reached out again on XX/XX/XXXX. 

I am confused as to why I have never received a bill related to this account and am requesting that the late fees be waived, and, that the account be marked as current.
Product: Mortgage

In XXXX, our loan payment jumped by {$150.00}. We had no idea this was going to happen, because we never received an escrow analysis or notice from the loan servicer. They insist they sent it to us, but we never received it. They even accused me of not checking my mail rather than try to help. 

I eventually found the escrow analysis on their website, and it states incorrect information about escrow cushions. Where it calculates the " shortage '' it says that the escrow cushion must never *fall below* 2 months of escrow payments. This is backward- it should never exceed 2 months. And yet, they seem to have done their escrow calculation based on the incorrect information, and determined that we have a shortage of over {$1000.00} to bring the escrow cushion up to 2 months. 

Except there is no requirement for this, at all. They seem to have made this determination completely arbitrarily, based on incorrect information ( not letting the cushion fall below 2 months ). See the description in the attached escrow analysis, " Determining Escrow Shortage '' heading, on the first page. 

I spoke to them about this, and they refused to make any change. They insist that it is their right to collect escrow in whatever way they see fit, even if it is apparently based on an incorrect understanding of the regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company used of deceptive practices to get me to sign up for a membership. 
I was not aware I was signing up for a service subscription, and I also did not know I was going to be charged and how much the charge was going to be. I am having a VERY hard time cancelling this service I did not agree to and did not know about, and also getting a refund. 
I called and the call got disconnected when I said I wanted a refund. I then called again. 

I am writing to warn the CFPB of this company 's deceptive practices towards consumers, who are led to sign up and be charged without a warning of the service and the price. And also to confirm if I received a refund and a cancellation of these services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I checked my credit report to find several discrepancies, inaccurate information, and unverified accounts on all 3 of my credit bureau reports. I sent in dispute letters to each bureau, that specified which accounts were inaccurate, and asked for them to VERIFY or DELETE each account. By law they have 30 days to respond or verify and only XXXX has responded. I am asking that you have Equifax and also XXXX DELETE all of my disputed accounts, and also fine these companies for reporting false credit information. XXXX did respond but they have not actually verified any of the accounts with signatures or original documents, therefor the disputed accounts should be removed from their credit report as well. I will attach each complaint letter I sent to each bureau with dates, as well as my receipt from the post office that shows proof that each bureau has had a copy of their respective letters for over 30 days. 

Thank You
Product: Credit reporting or other personal consumer reports

First premier charged my account off and did not provide me with a 1099C this is fraud. They also keep reporting old information after thru charged it off as of it is something new
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without written instructions.

15 U.S.C 1681c. ( 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 antedates the report by more than seven years.

15 U.S.C 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

C

ontacted Vance and Huffman about false report on my credit report. Asked them to identify the original creditor and produce original contract or signed promissory note. They failed to provide me with said documents. They only provided attached letter produced by their office. I have no knowledge of this debt nor account.
Product: Credit reporting

Equifax continues to report information on my credit file that is not mine. I have filed numerous disputes with the agency to no avail. I have called the US Bankruptcy Courts-XXXX who Equifax alleges furnished the information at ( XXXX ) XXXX. The Courts informed me that they did not furnish the information to Equifax. Equifax refuses to provide me with the name, phone number and/or address of the Company who allegedly verified the inaccurate information. The following accounts are not mine and are inaccurately reporting on my consumer credit profile ; 1 ) US BK Court-XXXX # XXXX XXXX ) US BK Court-XXXX # XXXX XXXX ) US BK Court-XXXX # XXXX I have provided all documentation required of me by law and Equifax continues to violate my rights. The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Equifax has provided false and misleading information that the Courts have verified the inaccurate accounts when in fact the Court has not verified or provided the Consumer Reporting Agency with any information. These inaccurate accounts have hindered me from gaining credit and I also have been denied credit do to the frivolous accounts.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit card or prepaid card

This account is fraudulent and was open without my permission. Someone used my social security, and ID. My purse was stolen while I was in the XXXX. This is identity thief.
Product: Mortgage

I submitted a complaint few months ago about my lender. I was contacted by an executive representative at PNC, XXXX XXXX. I was informed by XXXX that everything was a misunderstanding with my lender. XXXX advice not to worry that she was going to help with the mortgage. In exchange I was to dropped the complaint with the CFPB. Which I did n't do nor I agreed. On XXXX XXXX, XXXX informed me that my loan modification was approved for a trial payment in the amount of {$1800.00} with 2 %. On XXXX I was informed that the loan modification was denied because of title issues. XXXX advised to fax the requested document ( a letter changing the vesting on title ) once the that was received they were going to lease the trial documents. I faxed the requested documents to XXXX. A month of false information by an EXECUTIVE at PNC, I received a denial letter. This letter stated that my loan modification has been denied for all options. I 'm requesting for someone to PLEASE HELP ME. How can lenders play around with homeowners like that? This is not just a house its my life investment. They have played me as fool. I have spend so much money faxing everything that they have asked for. They misled me on wrong information. I am asking for you assistance. This cant end like this. I 'm trying to stay in my house and pay what I owe. Please help, I do n't want lose my home. 

Thank you in Advance, XXXX XXXX
Product: Vehicle loan or lease

Hello I received your response letter. Let me explain because you misunderstood me. Every month Ford deduct XXXX $ remaining balance is XXXX $ for the pass two years.This is the refund ofXXXX $ I did not received. When I made an error Manually there was insufficient funds to make that payment.So whwn you returned the second payment their was nothing to refund. I was not credited for XXXX payment or refund any moneys. I have trace numbers from my bank showing ford deducted XXXX $ .As of XXXX XXXX I have not recived any refund.I have bank statements from XXXX showing no refund of any kind. I can send documents
Product: Debt collection

A collector called extended family some that we have n't been in contact with in over 20 yrs. calling up to XXXX a day. The collector then said they needed to pay what we owe. This was after threating my husband with an artical XXXX. We also received a notice of collection due by XXXX yet we did n't arrive until the XXXX. The also set up a payment from our account even after we said they could n't pay then and did not authorize the attempted withdraw
Product: Student loan

Hello- I am on an income driven repayment plan ( REPAY ) to repay my federal consolidated student loans. I was with XXXX and as transferred to MOHELA a few months ago in XXXX. During the national emergency ( COVID pandemic ) I was in the COVID forbearance period and received an email from XXXX stating that I needed to apply for recertification although no income recertification was required during the XXXX pandemic forbearance period. Because of this incorrect information from XXXX I recertified my income online in XX/XX/XXXX ( see attached document ) which resulted in a much higher payment compared to the previous year due to my higher income. I should not have to pay a higher payment due to my servicer ( XXXX ) providing false information to me. It is unfair for me to have to make the higher payments after being told false information about recertification when it was not a requirement during XXXX pandemic and is not a requirement for at least 6 months after payments resume this Fall. No one has been required to recertify during the XXXX forbearance period and I should be entitled to the same benefit afforded to everyone else with federal consolidated student loans. I requested this reversal and complained to XXXX several times before my loans were transferred to MOHELA about this issue and false information. I have seen others income recertification be reversed or undone from searching online and I believe I should receive the same reversal of my income recertification for at least one year as well. Please see the documents attached. One is my income driven payment recertification in XX/XX/XXXX and one is my payment income driven repayment plan for XX/XX/XXXX- XX/XX/XXXX.
Product: Checking or savings account

Today I received a call from my brother ( who has the same last name and the address on the check matches his id ) saying the bank was questioning whether the check he had was a fraud because ( per the teller ) the signature did not match. I had a carbon copy of the check the signature matched all prior signatures. The bank then called me and I spoke to someone named XXXX who said she was the XXXX of BOA 's XXXX XXXX, phone number ( XXXX ) XXXX. She wanted to verify I wrote the check. I said I did. She was quite rude and told me during the conversation she determines if a signature matches and implied I was lucky because she could of just told my brother to leave. This has happened more than a dozen times over the past few years with BOA. Every time the check is written to a XXXX person, usually a construction worker who is not dressed in professional white collar garments. Once the person was XXXX. Never XXXX. They always call and say the signature does not match. My signature is very basic and has been the same for 50 years. This reminds me of a police XXXX profiling XXXX people and pulling them over under false pretenses like " weaving within XXXX XXXX '' or " driving too slow ''. Please take a look at BOA practices. I suspect there are incentives for tellers to scrutinize signatures on checks tendered by people of XXXX.
Product: Mortgage

I sent a Qualified Written Request ( QWR ) /Debt Dispute Letter to Ocwen Loan Servicing dated XXXX/XXXX/XXXX by XXXX Certified Mail on XXXX/XXXX/XXXX. Ocwen has not responded to date. As part of my proposal for an out-of-court settlement to my debt dispute, I also sent to Ocwen a completed Request for Mortgage Assistance ( RMA ) form with the required supporting documentation to which Ocwen acknowledged receiving. While confirming receipt of a copy of my tax return as part of its requirements to complete its review of my pending loan modification, Ocwen stated in its letter dated XXXX/XXXX/XXXX that my tax return was without signature ( s ) or evidence of electronic filing, and the due date for said document which was XXXX/XXXX/XXXX has now passed. Since I only learned of aforementioned requirement from Ocwen 's letter on XXXX/XXXX/XXXX, which was already 2 days after Ocwen 's imposed deadline had passed, I mediately sent by certified mail on that same day ( XXXX/XXXX/XXXX ) the signed copy of my tax return. However, instead of receiving a notice of the status of my loan modification application & request, I received XXXX weeks ago a copy of Notice of Trustee 's Sale dated XXXX/XXXX/XXXX ( recorded on XXXX/XXXX/XXXX ) which schedules the foreclosure sale of my property on XXXX/XXXX/XXXX. While Ocwen has not formally declined or disapproved my pending loan modification application to date, in violation of the XXXX California Homeowner Bill of Right ( HBOR ), Ocwen caused/directed its agent, XXXX XXXX XXXX, to proceed with the foreclosure action against my property by issuing said Notice if Trustee 's Sale. This is a blatant violation of the CA law. It is referred to a " dual tracking '' under the CA HBOR. In this regard I have written Ocwen a follow up letter on XXXX/XXXX/XXXX ( see attached ) and also demanded for the cancellation of the scheduled unlawful foreclosure sale of my property on XXXX XXXX, XXXX. I have not heard back from Ocwen to date. May I therefore request for CFPB assistance in this regard. Time is of the essence.