23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My recent mortgage servicing was transferred to Select Servicing Portfolio ( SPS ). I went in and registered for an online account. When I went to make my first payment it AUTOMATICALLY included a {$15.00} processing fee. I followed up with SPS over the phone who informed me that the ONLY way to avoid a servicing fee is to set up automatic payments ( which I do not want to do ) or pay through my billpay on my online banking account. How can it be legal for them to charge me fees to make my mortgage payment?
Product: Credit card

On XX/XX/XXXX I became aware that I had been a victim of identity theft after pulling my XXXX credit report and noticing accounts that did not belong to me. These accounts were opened fraudulently with my stolen information. I had no knowledge of the accounts being opened and have no association with them. The accounts were opened on XX/XX/XXXX according to the credit report. One of the accounts was the XXXX XXXX XXXX. Since I became aware of the fraudulent accounts. I have contacted Citi Bank multiple times to attempt to resolve the issue. Each time I have to start over completely from scratch in relaying the details of what has happened. I am transferred through multiple reps and multiple departments each time and there never seems to be a record of information or any progress made. It should be noted they did not have my correct address on file prior to me calling in to dispute the fraudulent card. Only after calling in and giving them my information to ensure they could send me updates via mail which I have requested multiple times did they have my correct address. I have not received any updates via mail from them regarding an investigation. I am continuously receiving calls from their department about overdue status of the account. I was informed by a rep the account was not closed correctly on my initial call to indicate an identity theft dispute. Despite not receiving any updates I continue to get calls about payment with no information about he status of an investigation. I sent a letter on XX/XX/XXXX with a dispute letter from the FTC, a notice to furnishers as well as supporting documents ( i.e. police report ) detailing the issue of identity theft and the fraudulent nature of the account. I continue to receive no notifications nor updates of any kind. This is incredibly stressful and has begun to affect my credit score which up to this time has been excellent. I am tired of getting the run around and just getting transferred to the same departments over and over to start from scratch each time. I need a resolution here and there is seemingly absolutely not progress being made.
Product: Credit card or prepaid card

On XX/XX/2022 I used Cash App to send money to 2 different people. One transaction was for {$150.00} that was processed successfully with my debit card, the second transaction was for {$60.00}. Cash App stated that my bank declined the {$60.00} payment and they decided to payout the {$60.00} dollars anyway as a " credit ''. I asked the representative at Cash App 1. why would you use my bank account to try and send the {$60.00} payment and 2. If it did decline why would you still send the money if my bank supposedly declined the payment. I NEVER use my bank account to make payments via cash app. I have ALWAYS used my debit card. The representative told me he was not sure as to why my bank account was used to attempt the payment of {$60.00} instead of my debit card. 

Today someone sent me {$100.00} via Cash App and to my surprise Cash App kept {$60.00} and only gave me {$40.00}. Upon speaking with the representative he advised me that they are not able to give me the {$60.00} back because it was a credit that they paid out on my behalf but I never asked them to do that. If my bank declined the payment they should have just let it be and not take it upon themselves to send the payment anyway. 

I asked to speak to a supervisor and the representative told me that he did not have someone for me to speak with verbally and that I would be contacted via email by a supervisor. I expressed that this was unacceptable and unfair to me as a customer.
Product: Credit reporting or other personal consumer reports

DISCOVER IS ALLEGING THAT I OWE THEM XXXX XXXX DOLLARS, I NEVER OPENED THE ACCOUNT, THEY TOLD ME IT BELONG TO A XXXX XXXX IN NORTH CAROLINA AND EVEN SENT ME PROOF TO MY ADDRESS IN NY THE STATEMENTS THE ADDRESS DOESN'T EVEN MATCH THEY WERE SENDING IT TO XXXX XXXX. I NEVER OPENED THIS ACCOUNT AND THEY REFUSE TO HELP ME.
Product: Mortgage

XXXX XXXX and XXXX XXXX XXXX own XXXXwo cooperative properties that have been combined at XXXX XXXX XXXX XXXX XXXX and XXXX. Signature Bank provided loans on each property. The balance on XXXX XXXX is approximately {$100000.00} with a regular monthly payment of principal and interest of {$600.00} and XXXX has a balance of approximately {$400000.00} with a regular monthly payment of {$2200.00}. On XXXX XXXX, 2017 we received a certified letter advising us that our property was about to go into foreclosure unless we paid {$20000.00} representing 4 monthly payments, a charge for insurance on each property, an assessment for a payment made by the Bank to the cooperative corporation for a maintenance assessment, legal fees and other charges. We sent to the bank proof that we have insurance ( which had been done previously ), proof that reimbursement of the maintenance assessment was made to the bank, proof that we have made all payments except for the month of XXXX and XXXX. They advised us that no payment was made in XXXX and XXXX. We sent them proof that a double payment was made in XXXX which related to XXXX and XXXX and that we had already sent them XXXX which they denied receiving. We sent them a replacement check for XXXX as well as checks for XXXX and XXXX which they returned to us insisting that no funds will be accepted unless the full amount is received. It appears that they are ignoring our proof of payment and acting in bad faith
Product: Debt collection

JPMCP AUTO HIRE .CREDIT REPORT COMPANY XXXX AUTHORIZE. THEM TO CONTINUE PLACED FRAUD REPORT ON MY CREDIT REPORT ACCOUNTS .I HAVE l CONTACT THiS COMPANY TO STOP REPORTING. I don't have records of ownership. Name address any other information due to information being. Reported didn't. Match.. Information provided was payment history. No name nor any other information. I placed FINAIL COMPLAINT seeking LEGAL ACTION. 
Due to XX/XX/year> l received a written letter from chase authorize Monitory write off from the account .located inside Amp CFBP in this letter apology for the inconvenience JPMCB CLOSED. case. 
XX/XX/year>. I Received a different lettefrom original letter. Was removed. requested for additional information for the account.. XX/XX/year> received transunion report with denied letter .continue reporting XXXX XXXX. Tranunion file XXXX. JPMCB XXXX. This account doesn't belong to me. Refuse make payments on account doesn't belong
Product: Credit reporting or other personal consumer reports

I have been with Experian for my credit score and there is always wrong information or someone adding on my account and I dont know who they are even after i have consistently disputed the information it always seems to reappear again and again
Product: Debt collection

I received notification on XXXX from XXXX XXXX that a collection had been placed on my credit report by West Asset Management. I contacted their customer service, and their rep informed me there were no active accounts placed with their office in my name and the reporting was an error and it would be investigated. I received notice on XXXX, and XXXX that it had been placed on the other XXXX bureaus so I contacted their customer service group again. 

This time their representative stated that I had a bill due to XXXX XXXX by XXXX for {$240.00}, and it had not been paid. It was sent to their office on XXXX and eligible for placement on my credit report on XXXX. 

I then requested the reason I was not notified of this bill, and the answer I received was that their office sent a letter to me at an address that I moved away from in XXXX of 2015. I explained that they sent the information to an old address and I was never notified and granted my 30 days to review and dispute the collection. Their representative told me that it does n't matter if I received the letter, because their only responsibility was to send it and it mattered not where it ended up. 

I then said I would pay it, but that I required it be removed from my credit report. Their rep answered by stating it would be marked paid, but not removed. I restated my demand and informed the rep that West Asset Management did not act within the limits of the Fair Credit Reporting Act, and the answer I received was that their lawyers were n't afraid of me. 

I contacted XXXX XXXX, and explained to them what had happened. Their customer service rep saw in their system where I had left my new address but their office was still communicating with me at the old address and the error was on their end. 

I paid the outstanding bill over the telephone with my checking account on XXXX and it cleared my account on XXXX. The XXXX XXXX rep informed me that they apologize for the error and they would have the collection agency remove the item from my credit report. 

West Asset Management has since marked the item " paid '' but refuses to remove it. It should have never been placed there, and did as a result of an error beyond my control, therefore they are obligated under the law retract the false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO CEASE & DESIST UPGRADE INC is actively reporting two accounts to each of my consumer reports with XXXX, XXXX and XXXX that I do not recognize. This is a direct violation of the FCRA - Regulation V and Section 623. UPGRADE INC is also reporting to each of my consumer reports as derogatory accounts with an account type of : OPEN. I do not have any accounts with UPGRADE INC . The payment statuses are being listed as both : COLLECTION/CHARGE OFF - I have not now or ever received a 1099 for any amount of written off alleged debt from UPGRADE INC which in turn would be considered taxable income. Income can not be reported on a consumer report. UPGRADE INC is also reporting : Purchased by another lender or as account sold. That is constructive fraud. How can an account be listed as open, and charged off?! According to the FCRA you have a duty to provide CRAs with accurate information. Pursuant to section 623 ( a ) of the FCRA it is prohibited to report such inaccuracies. 
I demand immediate removal of any and all information regarding : XXXX XXXX These unrecognized accounts are damaging my character and financial reputation, causing emotional distress and preventing me from being able to extend my credit. I do not have any contracts with UPGRADE INC . I demand you to cease and desist from causing me any further emotional, financial and psychological harm. UPGRADE INC is also defaming my character. I also demand you to instruct all credit reporting agencies to permanently cease and desist from reporting any information provided by you. This notice also serves as acceptance of all terms stated herein. Credit reports play an important role for consumers. Specific provisions of the CARES Act, the FCRA, Regulation V, the ECOA, and Regulation B are designed to ensure the fairness and accuracy of these reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXXXX/XX/XXXX
Product: Mortgage

In XX/XX/2021, my loan was transferred to Mr. Cooper. I was in a forbearance with my previous lender after losing my job from Covid-19. The forbearance ended at the end of XXXX. I contacted Mr. Cooper ( formerly known as Nationstar ) and the resolution they offered was a loan modification. They then required me to make " trial '' payments for XXXX, XXXX and XXXX. I was then told do not pay anything else until they send me the final loan modification documents. I made all 3 trial payments. I was supposed to get the modification document in XXXX and now its XXXX. Every time I call them, I am given a different answer and the runaround. Furthermore, Mr. Cooper did not even tell me the ramifications of a loan modification. They keep telling us the paperwork is in the mail and the fees and owed amount keeps going up. We feel like they are trying to scam us or take advantage. We feel like they want to gain more fees and interest or take our home from us. We just want to begin making payments on our loan modification. Not sure who to turn to or should I hire an attorney.
Product: Debt collection

I received a presentment from Ameri Collect about an alleged debt that was either purchased, obtained on-line not sure how they obtained it but I know for fact I never enter into any agreement or contract with said entity. I been asking for proper validation of said agreement ( as opposed to cheap copies of personal medical data which is violation of HIPAA but nowadays computer hacking is rampant ). I recently received correspondence XXXX that in one claim with an entity ( 24 collections that were being reported on my consumer credit report causing unlawful damage and suffering ) that they " requested '' the 3 major credit bureaus to remove after all time that has passed and affected my livelihood and well-being. Which is equivalent to admitting they made an error in reporting the 24 collections to the credit bureaus and yet gave no reason. Which by consumer law any error or false reporting of information can be fined up to {$1000.00} each not to mention jail time. I AM A CONSUMER WITH RIGHTS! Now in exchange to overlook taking legal matters I made the offer for said company to DELETE 2 other collections their reporting on my credit report ( mainly XXXX  ). Being a non-combatant sovereign I'm going through the proper chain of command and protocols before proceeding to follow up with litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted capital one numerous times to report Im a victim of identity theft However they are not doing anything. They keep claiming its mine without proving any information. This is not mine and needs to be removed.
Product: Debt collection

Charge for {$490.00} from a XXXX XXXX  company. My XXXX is absolutely fine. Looking online this company is accused of fradulent charges being made. ( XXXX XXXX XXXX  ) Submitted dispute to Goldman sachs about 5 times with rejections on each attempt. No proof of legit charges ever been shown to me. Need this off my report. Over 40 years of unblemished payments and such. Please provide me with whatever info is being used to prove this charge is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed 3 disputes with XXXX  concerning an account that belongs solely to my deceased husband. After my husband 's death, I found out that I was listed as an " Authorized User '' on my deceased husband 's Visa account with Navy Federal Credit Union. I never knew about said Visa account, never used said Visa account, nor do I have any financial obligation or agreement with Navy Federal Credit Union re : said Visa account. I only found out that I was listed as an " Authorized User '' on my deceased husband 's Navy Federal Credit Union Visa account when I called to notify all of his creditors of his death. I even mailed a letter dated XX/XX/2017 to XXXX from Navy Federal Credit Union that clearly states that I was listed as an " Authorized User '' of said Visa account and therefore I am not responsible. I asked XXXX  to completely remove the account from my credit report. They refuse to remove the account. I also contacted XXXX  and they immediately removed it from my report. XXXX  needs to remove the Navy Federal Credit Union Visa account from my report as it is not my account and I am not financially responsible for the account so it is unlawful for them to report an account that I am not legally liable for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX  ( Date Opened XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX XXXX CO ( Date Opened : XX/XX/XXXX, Balance : {$100.00} ), XXXX XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$2900.00} ), XXXX  XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$500.00} ), XXXX XXXX XXXX XXXX XXXX Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$7900.00} ), XXXX ( Date Filed XX/XX/XXXX, Docket Identifier XXXX ), XXXX XXXX  ( Account Number XXXX, Date Opened XXXX XXXX, XXXX, Balance {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

on XX/XX/2020 i sent my 1st set of letters to HEAD MERCANTILE CO I ABOUT SOME ALLEGED DEBTS OF XXXX, AND XXXXTHIS IS MY SECOND SET OF LETTERS WITH NO RESPONSE.THIS IS VERY DEPRESSING THAT I CANT GET ANY ASSISTANCE IN THIS MATTER.I HAVE ATTACHED COPIES BELOW ALSO.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is collection of merely ( {$1000.00} ) on my Equifax Account. I sent certified mails twice to Collection Agency which is XXXX XXXX XXXX to validate my debt. I have received no response. Also I spoke to XXXX from their company and send her email twice to validate my debt. No response. I have sent Equifax all the proofs of failure of collection agency to validate debt at their end. Still they are not removing inacurrate information from my cerdit file. I have sent equifax 4 times disputing the inaccurate information. Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605b ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XXXX under the account number XXXX. Another credit card opened at XXXX under the account number XXXX. Also loan accounts opened at XXXX XXXX XXXX under the account number XXXX, and XXXX under the account number XXXX, XXXX XXXX XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, charge offs and hard inquires as reported. The aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All the aforementioned accounts, charge-offs and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. My data was exposed in the XXXX data breach and the XXXX data breach, as a result the aforementioned accounts have been opened and accessed without my permission which has negatively affected my credit report.
Product: Debt collection

As of XXXX/XXXX/XXXX I have been paying XXXX XXXX XXXX XXXX on an old debt. MY last payment was on XXXX/XXXX/XXXX. When I called XXXX concerned about my balance on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX because I owed no more payments.I have been paying on this for 5 years. They refused to see my pay records and did n't want to speak to me and said they sent to the account back to XXXX XXXX. So i called XXXX and they said they have not received any information from central credit services. In the mean time I come in contact with Midland credit Management. This is who central credit service supposedly sent my account to not XXXX ... .another debt collector. I was informed by Midland that they have had my account since XX/XX/XXXX. I have never heard of this business. Furthermore I have never received not one stitch of paperwork from Midland credit management saying that they had my debt or that I owed any money to them ever. I have my pay record from the very beginning of XXXX/XXXX/XXXX when i started paying central credit services and for the rest of the 5 years that i have been paying central credit services. I have NEVER paid any payments to a midland and have never had any correspndence from them. I have only had correspondence from XXXX, XXXX. and my pay record will reflect that and all the payments that went to them with the trace #. i think its very strange that when i called about concern for my account they handed my account to this other company and somehow I have a balance again. I have also been in contact with XXXX from XXXX XXXX and have all that correspondence too. I filed a FTC complaint against XXXX, XXXX and now i want to file a complaint with Midland as I have never heard from this company and there records are incorrect. I will attach XXXX bank statement from every year showing I have always paid XXXX, XXXX and have had no dealings with Midland and my account should be XXXX. If you should need anymore statements please contact me as I have every single one of them on hand and ready to send.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I reached out with a demand to comply letter to TransUnion to express my frustrations that it has been well over 30 days ( 60 days at the time of the letter ). It's been over 90 plus days until this day that I haven't heard nor seen any information regarding the incorrect items on my credit report. I'm now asking you to hold them responsible and liable, according to Section 611 ( a ). Thank you.