23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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  ) XX/XX/year> My information may have been impacted by the XXXX, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a XXXX period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Respectfully XXXX XXXX XXXX UCC-1-308 without prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 and XX/XX/2023, I submitted multiple letters to XXXX, Equifax, and XXXX with my concerns about things being reported on my consumer report ( XX/XX/2023 letters attached ). There are numerous inaccuracies with the accounts in question. They are not in compliance with the XXXX XXXX Standard of filing. As of now the CRA 's have not updated the status of any account nor have they notified me of an investigation and if there is one conducted they have not informed of the results.
Product: Credit reporting, credit repair services, or other personal consumer reports

File dispute with Experian XX/XX/XXXX Contacted XXXX  XX/XX/XXXX Contacted XXXX  XX/XX/XXXX Derogatory reporting of past due account made purchase via XXXX promotional offer ... ... Payment XX/XX/XXXX days same as cash ... .payment was made within this timeframe. Payment was not late. XXXX for item was deem cash payment within 30 days
Product: Bank account or service

I made an appointment to refinance my home with XXXX Home Mortgage consultant with Wells Fargo home mortgage XXXX California. our appointment was for XXXX when I arrived I was in her office less than five minutes when her personal cell phone started ringing it ring four or five times in the middle of our conversation she said if I do n't take this call they will just keep on calling she picked up her cell phone and started XXXX very very loud I waited a few minutes and then I told her I was going to go because she seem to be too busy when my hand touch the door she replied okay goodbye I have been a Wells Fargo customer for 20 years I have never experienced such rudeness from a Wells Fargo employee I would like to bring this to the attention of someone who cares about customer service thank you
Product: Credit card or prepaid card

I was offered a sign on bonus for a credit card. And after applying for the card ( requiring a credit check ), making the minimum spend requirement, paying the annual, fee, I was denied the sign on bonus due to closing too many accounts. This was after I have been using the card for 3 months. Usually, there is a warning prior to applying for the card that they may you deny your sign on bonus, I was given no such message/warning. 

After multiple complaints and internal investigations the last 2 weeks and explains to them I closed other accounts for person reasons and trying to fix my bad credit score, i was still denied the points.
Product: Mortgage

This complaint is regarding a mortgage loan I had with TCF Bank. Due to financial hardship, in XXXX of XX/XX/XXXX I received a loan modification refinance through TCF Bank. During the modification process, I was never informed of the charges of the refinance or what amounts/charges were included on the loan, even thought I asked. The day I signed the refinance modification documents, I was not given any explanation of the charges, only the interest rate and the mortgage monthly payment amount which I was happy with since it was going to be very low compared to what I was previously paying. There was only a few pages that I had to sign, very vague thought. 
Since I received my loan modification, I had been making timely monthly payments to TCF Bank, never receiving monthly statements from them or any other type of communication until my loan was sold to XXXX XXXX Servicing on XX/XX/XXXX. 
In XXXX, I received a mortgage statement from the new mortgage holder, XXXX XXXX XXXX stating that I owed {$2400.00} in late fees. Apparently TCF Bank had transferred this amount to them when they purchased the loan. I was in shock, very surprised when I saw such amount, why is this coming up now? - more than XXXX years had passed since I got the loan modification and nothing had been mentioned by TCF bank since then, I never received any notification charges from them, so why was this happening now. 
Late fees were accrued when I fell behind on my mortgage prior to obtaining my refinance, there should have not been any charges going forward as everything should have been included in the loan amount which according to the loan amount, those late fees were included and waived, at least that 's what I thought. 
I have been disputing these fees with XXXX XXXX XXXX and I have also contacted TCF Bank, my previous mortgage holder so they can fix the issue or mistake with XXXX but they have ignored my communication. 
I am at a loss and I do n't know what to do. I feel that I was deceived by TCF Bank, they were not honest and straightforward with the refinance and charges and they found an easy way out, sell the loan. 
Very disappointed and unhappy consumer
Product: Debt collection

This agency called me 21 times in a row, never left a message. I had to reverse lookup the number to find out its Portfolio Recovery. I have no idea what they are calling about. I tried to call back and received a customer not available message from the phone carrier service. To call someone 21 times in a row is harassment and they need to be dealt with.
Product: Mortgage

My name is XXXX XXXX, I live in XXXX XXXX, SD and have a mortgage with Citi bank/Approximately 5 years ago citi bank informed me, they were willing to refinance my first mortgage and reduce my interest rate and the payment on the first mortgage, I have a second mortgage as well with an interest rate of 8.5 % so I have paid well over {$500.00} per month than I needed to, since then on the second mortgage. This totals over {$6000.00} in excess interest and even though I have called them many many times, asking for them to lower the interest rate on my second mortgage with them -- -- nothing!!!!! I have spent more time on the phone, begging for someone to take care of this, all I get is out on hold and no one does anything! I have made many appointment for a loan officer to call me, I wait at the designated time after waiting and no call from citi-today I asked for the pay off on the second mortgage and got that amount almost imediately, so I will have to borrow the money some where else and pay them off-is seem obvious I mean nothing to them, I have never missed any payments. I am XXXX years old and I wonder how can a bank as large as Citi Bank get away with such horrible service and treatment to it 's customers, are all the regulators asleep or just on permanent vacation? How could a bank get away with stealing over {$6000.00} from me when interest rate have been at record lows for so long? Is it any wonder that Donald Trump has become president, maybe he will bring back good old common sense, ,My cell phone number is XXXX, any one who wishes may contact me XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$540.00} XXXX XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting or other personal consumer reports

I am writing to formally request, pursuant to my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ), that you provide physical verification of the original signed consumer contracts for any and all negative accounts that are currently being reported on my credit file. 
Specifically, I am requesting the following : XXXX. A copy of the original contract bearing my " wet ink '' signature for each account that is currently being reported on my credit report. 
XXXX. Physical verification that any and all negative accounts in my name were initiated by me with my full consent, and that you have the necessary documentation on file to support this. 
If you are unable to provide the original signed contracts, I am demanding that the below accounts be immediately deleted from my credit file, as they are not properly verified as required under the FCRA. 

XXXX XXXX XXXX Account Number XXXX Date Open XX/XX/XXXX Balance {$430.00} XXXX XXXX XXXX  Account Number XXXX Date Open XX/XX/XXXX Balance {$170.00} XXXX XXXX Account Number XXXX Date Open XX/XX/XXXX Balance {$24.00}
Product: Mortgage

We close on our home XX/XX/XXXX, FHA loan, SWBC Mortgage Company. Since our very first payment, SWBC has not kept accurate records of payments they said we missed our XXXX XX/XX/XXXX payment. on XX/XX/XXXX we paid {$4600.00} because they said we missed XX/XX/XXXX payment, so the XX/XX/XXXX payment was for the missed payment for XXXX which brought us current. XX/XX/XXXX we paid {$2300.00} on XX/XX/XXXX we paid another XXXX because they said we was behind again, but we where current because we took out our 401 plains to make those payment to become current. 
Every since then records have not been accurate both double payments kept us behind along with XXXX having to go on workman compensation for a XXXX so we ask for a loan modification.On XXXX XXXX that's when the loan modification was granted along with a trial period we passed the trial period. XXXX XXXX HUD gave SWBC {$95000.00} toward our account it took our payments for {$2300.00} to {$1600.00} per month. After we were granted the loan modification our payments were {$1600.00} our payments went up to {$2100.00} per month. This is not a loan modification. 
We have tried numerous of times to work this out with SWBC to no avail. Now we are right back where we started, XXXX, XXXX we paid {$1600.00} and XXXX we paid {$1900.00} now we are at {$2100.00} per month. This is no loan modification.
Product: Debt collection

On Monday XX/XX/2023 AmEx XXXX representative XXXX and I spoke, and he agreed to have a manager call me the next day at XXXX XXXX. XXXX hours later no has called. This is a broken agreement, and a violation of my rights.
Product: Debt or credit management

We signed up with Strategic Financial Solutions to help reduce our monthly payments to save us money. XXXX XXXX we made our first payment of {$320.00}. We were told to stop paying our creditors and they would take care of it for us, then we started getting phone calls from the creditors letting us know that we were behind and we needed to call them. I called XXXX XXXX XXXX to ask them what was going on with my account and creditors. I told them about the phone calls and letters we were getting and I was told to ignore the phone calls. I was not happy with the way things were going because my credit score went down a lot they reassured me that my credit will go back up. I realized I made a mistake because we were not happy at all they were just giving us the runaround. My husband and I put our trust into this company to help with our debt and they took advantage of that.
Product: Credit reporting or other personal consumer reports

The personal info being reported from this company is incorrect.
Product: Debt collection

I am receiving repeated calls on my iphone identified as Client Services. When I answer no one is there. I looked up Client Services online and there is a legitimate company called Client Services that does debt collection. We have no debt nor have we ever had a debt that needed collection! Their web site says there have discovered a fraudulent company identifying as Client Services Inc that is unrelated to them. 
I received repeated, daily calls as follows : Client Services, XXXX MO XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XX/XX/XXXX XXXX  number XXXX XXXX XXXX at XX/XX/XXXX XXXX  number XXXX XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX XX/XX/XXXX at XXXX XXXX  number XXXX This is what I have documented on my recent calls list! 
I would appreciate any help or guidance on how to stop these fraudulent annoying calls. 
Thank you XXXX
Product: Debt collection

To my dismay, it has been well beyond the allowed timeframe of 60 days, and I have yet to receive any meaningful information regarding the status of the investigation. I submitted a dispute regarding fraudulent accounts on my credit report, clearly indicating that I am a victim of identity theft. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agencies are obligated to investigate such matters and provide resolution within a reasonable timeframe, not exceeding 30 days, with a potential extension of 15 days under certain circumstances. The lack of communication and transparency from your bureau is not only unprofessional but also in violation of the regulations set forth by the FCRA. I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I demand an immediate and thorough review of my case, along with the removal of the fraud accounts from my credit report or, at the very least, a suspension of their reporting until this matter is adequately resolved. It is evident that these disputed accounts are a result of identity theft, as your bureau has failed to verify their validity within the stipulated timeframe. 
XXXX XXXX XXXX -PLEASE DELETE!!! 
XXXX XXXX XXXXPLEASE DELETE!!! 
I have diligently provided all necessary documentation to support my claim of identity theft, yet there has been no evidence of the bureau 's effort to verify the validity of the fraud. This lack of action is not only unacceptable but also indicative of a serious lapse in your bureau 's responsibility to protect consumers from the damaging effects of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX has violated my rights. 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 my written instructions
Product: Credit reporting or other personal consumer reports

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Complaint Details XXXX ** - **Subject : ** Late Payment Issue Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX regarding a late payment issue that has negatively impacted my account. 

I have been a customer of XXXX for `` two years '' and have always made my payments on time. However, despite making my payment on XX/XX/year>, the company has failed to process the payment on time. This late payment has caused " late fees, '' " negative impact on my credit score, ''. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - **Date of Payment : XXXX XX/XX/year> - **Amount Paid : ** XXXX Despite my attempts to resolve this issue directly with XXXX XXXX customer service, I have not received a satisfactory response. I have contacted their customer service department on XX/XX/year> and was informed that I am not receiving a response As a result of this late payment, I am seeking the following resolution : 1. Immediate correction of the payment processing error.

2. Removal of any late fees or penalties associated with this error.

3. Correction of any negative impact on my credit report due to this late payment.

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making payments to Navient in regards to bringing my past due account current. I was told by a customer service rep at Navient upon agreement that as long as I am making payments according to the agreement to bring my account current, that I would not be reported any further delinquent on my credit report. I recently received an alert that I was reported 120 days late and I have made payments on- time according to the agreement with Navient . They have therefore reneged on their part of agreement with me to not report my account any further delinquent when I have made payments on time according to the agreement set forth 2 months ago.
Product: Checking or savings account

On XX/XX/XXXX  I made a reservation to XXXXXXXX XXXX XXXX XXXX for a week stay in XXXX. I used my PNC debit card to pay for the room. In XXXX I closed my PNC checking acount. This was the account to which the debit card was linked. In XXXX I cancelled my reservation with XXXXXXXX XXXX XXXX XXXXXXXX. I explained that the card I used to make the reservation was to a closed account. The representative stated that they still had to issue the refund to that card and I needed to contact the bank to receive the funds. I called PNC bank. The customer service representative stated that since the account is closed, the refund would be rejected. I called XXXX 's again. They stated that a refund would be sent by mail. A few weeks later I called XXXX 's again. The billing department told me that the refund could take 6-8 weeks. I waited .... I called XXXX 's again after the 6-8 weeks. The customer service representative stated it can take up to 12 weeks to receive the check but she would email the department that sends the checks. A week or so later I received the attached email. XXXX 's is not stating that the refund was processed on the XXXX and I need to talk to my bank. I don't understand why they kept telling me to wait weeks and weeks if this was supposedly processed the same day I made the cancellation. So I called PNC bank a few more times during the email train. Every person I spoke with at PNC stated that my account was closed, they had nowhere to put the funds, so it was sent back to XXXX 's on XX/XX/2024. XXXX 's billing department refuses to look into it any further. ( see attached email where they removed themselves ) I went to PNC branch in XXXX OH. XXXX showed me on her computer screen that my bank account was indeed closed and that the transaction was rejected. PNC is willing to help, but I don't have a contact at XXXX 's to discuss this with any further. It seems XXXX 's won't entertain the fact that the funds were rejected after the XXXX initial transaction. I emailed the general manager of XXXX XXXX XXXX XXXX on Friday. I have not heard anything yet. Basically PNC bank states the funds were charged back to XXXX 's. XXXX is stating that PNC has the funds and is unwilling to help make sure I received my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

My  XXXX  Credit Card is reporting me 30 days late. I never made a late payment and only followed directions that their representative gave me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts appear in my report, please investigate them :   XXXX   XXXX     XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  -  XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  # XXXX Date Opened : XX/XX/2022 Balance : {$2100.00} These above accounts were opened fraudulently I submitted a complaint with the FTC I'm attaching any documents to support my claim, and I'm asking these above items be DELETED from my credit file, Thanks, XXXX XXXX.
Product: Student loan

On XXXX XXXX, 2023 I received a letter from Ed Financial stating that my loans were discharged and that I was due a refund. They sent the refund check to the wrong address in XXXX of 2023. I have been contacting them weekly trying to get the check sent to the correct address. Their customer service team will opened a ticket with their finance team, but they will not give me any other information. They also claim that there is no estimated date for how long refunds take. They won't allow me to speak to a manager, nor will they give me a direct number to their finance team.