23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I called BBT a few months back in regards to removing {$92.00} in fees from account that I received. This is my third time calling to have these fees removed and I was told they were going to be removed and that they had notes supporting why they were being removed. Now I'm getting collection notices in the mail stating I owe I money to the bank and this have hurt me with opening a checking account for my Business because its showing up I owe BBT when I dont. I would like to have this issue corrected and records updated with a letter stating its be corrected.
Product: Debt collection

This is a complaint from XXXX XXXX against Collection Bureau of America ( CBA ) for CBA 's failure to provide requested information for the debt alleged. On XX/XX/2017 consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/2017 CBA sent a letter including the statements from the original creditor, XXXX. On XX/XX/2017, consumer sent another letter requesting the chain of title or proof of ownership for the debt alleged. On XX/XX/2017, CBA sent another letter claiming that they have no obligation to provide such information, and again, sent the statements. There was also a discrepancy in the billing amounts -- The billing statements provided add up to {$310.00}, but the debt alleged by CBA is {$470.00}. The extra charges are for " accrued interest '' ( {$61.00} ) and " Collection cost Owed '' ( {$68.00} ). Neither of these amounts were " expressly authorized by the agreement or authorized by law. '' CBA has not provided any documentation which shows that these charges are valid. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Debt collection

This debt is a workmans comp claim from a work related injury. These collection agencys insert this on my credit file damaging my credit, then send a letter about the debt. As soon as i respond showing the verification they provide clearly states workmans comp claim, along with part of the judgement naming the DEFENDANT liable, they sell this debt to the next collection agency for them to do the same thing. This has been disputed 3 times and removed but the damage is done to my score. They break the law by inserting before communication to damage my score. They are trying to collect a debt I am in no way liable for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax violated my rights as a consumer when they reported these accounts on my report I explained how in my dispute letter that I attached
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Equifax was hacked and my information was taken. At that time I was a enrolled in XXXX XXXX XXXX XXXX. Equifax did not inform me of the hack even though I had the XXXX XXXX XXXX! I received monthly emails from Equifax stating " We are pleased to inform You there were no critical events reported last month ''. My information being hack is a critical event! 
It was reported on the news that Equifax was offering free credit monitoring to the people hacked. I signed up for this. It is now being reported that by singing up for the free credit monitoring that I have waved my right to sue Equifax. I signed up several weeks ago and have not received a conformation that I 'm enrolled in the free credit monitoring offered by Equifax. It seems they wanted me to wave my right to sue and are now ignoring the risk to my identification and credit. 
Equifax is using every tick in the book to limit their losses. 
1st not reporting the hack in a timely manner 2nd Not reporting my information was taken while I was a member of their XXXX XXXX XXXX XXXX 3rd by baiting the public into waving Our right to sue by offering a free credit monitoring 4th Long hold times in excess of 90 minutes with either no hold music ( to make us think we have been disconnected ) or Loud static to drive us to hang up.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Requested On : XX/XX/XXXX & XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX  XXXX XXXX via XXXX XXXX XXXX XXXX  Requested On : XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX via XXXX Requested On : XX/XX/XXXX & XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  XXXX XXXX  Requested On : XX/XX/XXXX Individual ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX  XXXX XXXX  Requested On : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SD XXXX XXXX  XXXX Request On : XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX via XXXX XXXX Requested On : XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Recently, our mortgage account was transferred from Select Portfolio Servicing, LLC to XXXX XXXX XXXX. XXXX XXXX XXXX have rejected our payment claiming that the amount due is {$45000.00}. We entered into a contract with previous servicer and is therefore binding. I have attached the repayment agreement on which i have abided by terms under the new contract. The contract states the repayment plan expires on XX/XX/XXXX, yet XXXX XXXX XXXX  are requesting an amount the does not comply with our contract. XXXX XXXX XXXX have engaged in Floridas deceptive business practices. The servicer continues to deny that such contract exist and moving forward with the foreclosure action. OnXX/XX/XXXX, i have been making payments timely accordantly to the contract, however the foreclosure case was never dismissed. When a defendants enters into a repayment plan the foreclosure action must be dismiss because the defendants have entered into a loss mitigation agreement with servicer. The foreclosure action has not been dismissed and XXXX  is seeking a sale date yet i have been making timely payments sinceXX/XX/XXXX. We ask the Consumer Financial Protection investigate this matter, it is clear on its face that XXXX XXXX XXXX  have engaged in Fraudulent banking and business practices.
Product: Credit reporting or other personal consumer reports

My Account with American First finance XXXX also was reported as a charge off it was written off as a loss the company was supposed to send a XXXX XXXX form but never did I am asking for this to be deleted under 15Usc1681eb that states accuracy on credit report this is a violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American First Finance XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm writing regarding a derogatory rating on my account that's severely impacting my credit. This negative mark has already resulted in : XXXX. Denial of a recent loan application XXXX. Increased interest rates on my existing credit accounts These consequences are causing significant financial and emotional distress.
Product: Mortgage

In late XX/XX/XXXX I chose to close out my escrow account and have my mortgage company refund my XXXX and after a series of haggles they FINALLY closed out the account and sent me the check for XXXX on XX/XX/XXXX which I promptly deposited on the same day. You can only guess the horror on my face when my bank deducted the money on XX/XX/XXXX labeling it as a " Returned Deposit Item ''! My mortgage company had issued me a BOUNCED CHECK! So I immediately called my bank and they said the check was not honored and to talk to my mortgage company. So I talked to a chat rep who told me she could either resend a check to me OR do a wire transfer. I elected a wire transfer since it seemed to be a lot faster. Silly me ... XXXX... Now my mortgage company is in the process of " INVESTIGATION '' and is telling me they have 30 days to resolve the issue unless they use the 15 day extension! It's simply UNBELIEVABLE a mortgage company bouncing checks that I pay my mortgage to, that won't pay MY escrow money back...
Product: Checking or savings account

XXXX XXXX stole my phone and made transfers to his friends from my account and stole my money. I contacted current bank right away and they checked into it and said there was no errors and I would not get the money back or anything done about it.
Product: Debt collection

XXXX XXXX and ars Live wa state received community discharge for my spouse ch XXXX bankruptcyXX/XX/XXXX -gave XXXX  XXXX case number and attorney info etching Emailed the bankruptcy dept of XX/XX/XXXX including court documents Lawyer emailed them as well Credit report says charged off Informed them about community property and section 524 ( a ) ( 3 ) and I have no separate property. 
XX/XX/XXXX relieve letter from ars national services Inc seeking collection of XXXX for XXXX of my XXXX XXXX accounts included in discharge. The lawyer refuses to help us without us paying him more which we do not want to do based on limited funds and we found to many errors through the bankruptcy process due to his office misplacing and or forgetting certain creditor info multiple times. 
Last time I tried calling ellan financial for collections on harborstone account they refused to acknowledge the community discharge and hung up on me twice. The reason he filed solely was because I had filed when lost my house in XX/XX/XXXXso I couldn't and lawyer advised us to do this way even though the majority of our debt was in my name. Now my credit went from XXXX to XXXX and I feel like I'm constantly in distress about our families future and I don't know how to proceed. All efforts seem to be waisted
Product: Mortgage

I closed on a mortgage XXXX of 2018 with XXXX XXXXXXXX and in XX/XX/2018 the servicing changed to a company named PHH Morgage Services that was collecting on behalf of XXXX XXXX XXXX. I had been sending my payments to the initial mortgage company because I did not receive the notice of serving change until XXXX. I contacted the company to try and get it resolved and they refused to fix the two late payments that are reporting on the credit report. My payments were being auto drafted so I would have thought I would be much better having them taken automatically. Had I received the notice prior to the payment due dates I would have sent the payments to the appropriate company. It is not reasonable to think someone can guess what the other companies are doing when there is no notification. Again the paperwork I have attached was not received until the following year!
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/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

You wouldnt help me when I filed complaints but now you have been awarded XXXX XXXX! 
I better see at least XXXX of that!! I kept asking in all my complaints about the accounting and when they gave it, portions were missing. Your response was its what they sent. How in the XXXX is the banks getting away with all this!! 
I was audited by the irs in XXXX for the amount of interest I paid IN THAT YEAR and Wells Fargo said I only paid XXXX but I paid closer to XXXX! So I had to pay almost XXXX in a penalty. 
So Wells Fargo finely gave a full accounting to the bank they sold my loan to in XXXX I received a copy and they applied interest I paid in XXXX to XXXX and XXXX. Well I dont get to go back and claim that interest because I didnt make any payments on my loan thats why I was in state court for 4 years and 3 XXXX XXXXXXXX, yet Wells Fargo gets to claim it with out showing it and that should be enough to throw them in the out of business line!
Product: Debt collection

TransWorld Systems Inc. keeps calling me from various numbers. They call almost every day, multiple times a day. Sometimes it is difficult to know it 's them because they use different phone numbers. They use phone numbers with local XXXX area code- where I am located. I asked them to stop calling on XX/XX/17 but the representative said, " I do n't know if we can do that because it 's an automated system. '' He was very demeaning and rude. I asked him multiple times what company he is from, he refused to say. After arguing with him, then pretending to get the person he was asking for, the representative finally disclosed what company he works for. 

I do not believe I have any reason a debt collector should be calling me!!! Why not send a letter in the mail if I have debt with them? Even so, they do n't leave a message on my voicemail stating who they are and a call back number. They are harassing me.
Product: Mortgage

again XXXX XXXXXXXX XXXX ( now Keybank ) XXXX an XXXX XXXX XXXX XXXX, Pa. has never dis closed, any account information. An landed, me what? I am the Creator to the Person XXXX XXXX XXXX. XXXXXXXX XXXX is using a contract that may have been satisfied. An Can Any Bank give lines to Private Property, XXXX XXXX, Pennsylvania.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX  Date of inquiry : XX/XX/2021, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Debt collection

I had my phone services turned off by XXXX XXXX I had a month to month service no contract and I only had the senior citizen bill for ( XXXX a month no contract ) but XXXX kept overcharging me and taking wrong amounts off the card I payed them with and I had been asking them to stop over charging me they never did so I disputed my XXXX bill and XXXX turned my phone off even though they got my payment for XX/XX/2020. And they lied about not having the money for XXXX so I called my card company AND they said XXXX still had the XXXX payments and then I payed them for XX/XX/2020 and they turned my phone off AND kept my XXXX payment of ( XXXX ) I had them payed up they never turned my phone back on they never porated my XXXX payment they took my money and never turned my services back on! And then while my is off they trying to collect a three month payment from me. I do not have thier services anymore and they been charging me and other customers ( ( 2 to 3 months ahead without even using thier services this is defintely illegal and they sent the bill collection a false bill amount knowing I owe them nothing and knowing they turned XXXX my phone even though I had month my bills for XXXX and XXXX of XXXX 2020 XXXX they kept my whole month of XXXX payment AND did not! Restore my services. This company is a fraud and extremely out of the law and all federal rules policies and regulations I called the collection services and told them I owe XXXX XXXX nothing they took my money mhe bills was payed up with them AND they turned off my services with my bills beening payed up in full! And they sent the bill collection a false bill for services I did not receive and never will. I only had a month to month bill with them prepaid flex services no contract. They needs to be investigated and arrested. Sending false bills to s collection agency and my bill payed in full and they charging me for a disconnected no working phone bill! Now that's fraud scamming laudering and thief and lies. They are straight out thieves and needs to be closed down and defintely arrested AND in prison. You do not sent collections agencies fate bills knowing you disconnected the customer services and keep my payment and never returned it. You all be blesssed in loving XXXX AND OUR loving father our XXXX. Sister.XXXX XXXXXXXX and they are refusing to give me a paper statement for my bills payments and I asked them to email them they still refused and never did sent any. I told them it's my civil rights to request AND get copies of my bills and payments they refused and sometimes they hang up on you and never sent anything.
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 Acct Number : XXXX XXXX Acct Number : XXXX XXXX  XXXX : XXXX XXXX XXXX  XXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have sent letter to Equifax following FTC identity theft guidelines and included police report which Equifax received around XX/XX/XXXX. Also, uploaded it though Equifax website on XX/XX/XXXX with the same info that was sent through USPS. Received a letter today XX/XX/XXXX. That states " Please be specific with your concerns by listing the account names, numbers, and nature of the dispute ''. The Two accounts were circled on credit report provided by Equifax and on website were picked specifically for fraud. I would like those two accounts removed from my credit report per FTC should have been done within 4 days of notification and material which was provided. Equifax was contacted XX/XX/XXXX I contacted the fraud department and told the operator I specifically did not want a fraud report on my account because I would have loans going though and could affect them. Since XX/XX/XXXX Equifax has put a 90 day fraud report on and now a 5 year. I would like them removed and the other two major credit bureaus notified that these were not at my request and removed immediately.
Product: Credit card

Acct # XXXX XXXX balance {$6000.00} charged XXXX, XXXX by XXXX XXXX XXXX XXXX. On XXXX, XXXX an interest fee of {$100.00} was applied putting the max balance over the limit before the first initial payment due date as the representative stated they would not after mentioning that XXXXXXXX XXXX  did, Concora representative stated they charge interest fees after the first initial payment due date.

Concora credit XXXX XXXX XXXX XXXX GA XXXX changed an interest fee putting the account over the limit before the first payment due date as done by XXXXXXXX XXXX  charge card established on XX/XX/2023 by the XXXX practice in recent filed complant charging patients to XXXX limit with interest fees putting accounts over the limit before the initial first payment due date causing consumers credit scores impacted negatively. XXXX reported complaints against Concora credit 1,938 complaints in the past XXXX years, 723 complaits in the past XXXX months. XXXXXXXX XXXX reported complaints over 5,000 in the past XXXX years over 2,000 complaints in the past XXXX  months.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiry with XXXX XXXX XXXX XXXX on XX/XX/2023 and it's reporting on my Experian credit report. I need this investigated and removed off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a joint auto lease through VW Credit , Inc. with my husband that ended in 2017. The lease shows on both of our credit reports with XXXX  a balance of {$17000.00}. The other credit reporting agencies show the account properly with an {$0.00} balance. I have reached out multiple times to VW with a promise of an resolution & to this day nothing has been resolved.
Product: Debt collection

Contacted by a company saying they were serving me papers to appear in court unless I contacted this law firm, XXXX XXXX XXXX XXXX. It is over a Bank of America debt that I paid to a collection agency in XXXX for a debt from XXXX. They are claiming that because the account number ends in a different number it is a different account. It is an error in the account number, I never had an account with Bank of America ending in that number, one number off from the account I did have and paid. They have not sent me proof of debt and when I requested it they hung up on me.
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$640.00} These accounts listed in my bankruptcy were all opened without my knowledge. This XXXX ABSOLUTELY needs to be removed off my public record as a result. This is illegal for Transunion to continue reporting this when XXXX nor XXXX has it listed. Please remove this off my report ASAP! 

XXXXXXXX XXXX XXXX  : XXXX Reported on XXXX **Inquiries** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX