23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it may concern, I received my free credit report and have noticed discrepancies on a reported charge off account that violates my FCRA rights ( Fair Credit Reporting Act ) I have highlighted my concerns in the .pdf attached and ask that due diligence is done to confirm the validation of this debt. I have previously requested information from this collection agency and have in return received repetitive robot-like replies basically saying " take my word for it. '' I have not received real credible evidence including but not limited to : a signed contract, and the I.D provided at the time of contract signing. I've been made uneasy by the sloppy account keeping. I have provided FTC identity theft reports to this agency as well, per their request. They did not care and proceeded to ignore my request for deletion. I have spent months now attempting to work alongside the collection agency and have gotten nowhere. They refuse to provide me with valid information confirming the accuracy of the reported account. I am requesting that Transunion take control of the situation and determine the credibility and legality of this account by validating this debt. Across all three bureaus are inaccurate and contradictory reporting such as payment history, and account status. I would imagine that payment history and account status are the two most important attributes of an account on a credit report. Assuming that is the case, why are my accounts being reported this way? How can a person pay 45 % of payments on time for one bureau while simultaneously reporting 53 % payments made? This is not ok, this is not legal, and should be fixed ( deleted from my account. ) XXXX reports 45 % of payments made on time whereas XXXX reports 53 % of payments made on time. The payment dates and payment history, including times late, do not add up, and are not consistent, which adds credence to my claim that this company has sloppy reporting. All of this will be highlighted in the attached .pdf document for easy viewing. It is my understanding that accounts that are not accurately and consistently reported are in violation of my FCRA rights and if this debt can not be validated. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report XXXX account # XXXX as derogatory. This account has been either closed 10 years ago and/or is part of a discharged bankruptcy ( 2015 ).
***Negative reporting on a discharged debt is a violation of the permanent injunction of my bankruptcy discharge. *** Transunion is violating the bankruptcy code. I am considering the possibility of re-opening my bankruptcy case for contempt action against Transunion. 

I am requesting that Transunion CEASE and DESIST their negative reporting of this XXXX  account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

When PHH Mortgage assumed the mortgage on my home last year I was working with the previous mortgage company to remove the escrow from my home. PHH Mortgage did not assume this work from the previous company, so I had to begin with them anew. I want to do this because 1 ) the value of my home is in excess of XXXX XXXXXXXX with my principal balance being less than XXXX XXXX and 2 ) for the past 2 homeowners insurance renewals the mortgage company failed to pay my annual homeowners insurance premium ( approximately {$4000.00} ) before the policy term date. This resulted in my having to pay the entire premium to avoid termination of coverage and then spend months pursuing PHH Mortgage for refund of these monies I should not have had to pay which should have been disbursed from the escrow account on my loan. My latest contact to PHH mortgage was a blanket email sent this past Tuesday demanding immediate action from them, for which I have received no response. This is in addition to a form completed and emailed to them, at their direction, on 8/6 for the escrow removal. This process was indicated on their form to take no longer than 10 business days, for which one month has now passed since form submission with no acknowledgment of any kind being received from PHH Mortgage. This does not include the numerous contacts made to PHH Mortgage when they assumed this loan to take over the escrow removal work already in place with the previous mortgage servicing company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well for some reason Equifax is reporting wrong information on my credit file. I noticed in XX/XX/XXXX of this year that Equifax had me down for a balance of {$1300.00} for my XXXX XXXX/XXXX credit card account and I noticed they had my last payment as of XX/XX/2019. My balance is XXXX since XX/XX/XXXX and my last payment was on XX/XX/2019 in the amount of {$590.00}. I have file multiple disputes with Equifax and they tell me they are just reporting what the creditor is giving them. I contacted the creditor and they assured me that they are sending the right information and that I have a XXXX balance and they dont know why Equifax is reporting me with a balance. I also checked with another bureau XXXX and they have everything exactly right I just dont understand why Equifax is always reporting the wrong information and makes me believe something is going on. One of the disputes with Equifax stated that they remove it from my credit report and it was still there I contacted Equifax and said, yall said, that you removed it but do you see that it is still there and the agent said, yes she doesnt understand why and all I can do is file another dispute. This has been going on for three months and I am just tired of trying to fix this problem and every time I call Im talking to non-English speaking people which makes it even difficult. I also sent them my statements which has all the correct information on it. This has hurt my credit ever since XX/XX/XXXX. I really believe there is a problem going on at Equifax. I know no other way to fix this problem this was my last resource the only other thing I know to do is contact an attorney.
Product: Mortgage

Could not afford modification terms so I filed for short sale and received an offer. The mortgage company denied the offer and now I am not getting any offers, I changed the paperwork to deed in lieu of foreclosure and have been calling the company XXXX week to find out what the status is. I am being told I am not able to talk to the correct department because my file is closed. I have been kept on hold for up to an hour well a different department tries to figure out what they can do to get this file going. No one know what to do or where to send me and I keep getting transferred to other areas or disconnected only to call back and start all over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know what happened but I started seeing mailings coming to XXXX saying I have like 5 credit cards but I never open one before and I dont know what to do in this moment.

And have not supplied proof under the doctrine of estoppel by silence, Engelhard v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Mortgage

To Whom it May Concern, I am filling this formal complain because I feel that Beneficial ( HSBC ) is not honoring their part of the agreement with the government. I have been trying to get a loan modification since XX/XX/XXXX. During that time Beneficial has put me through a ridiculous ordeal. I have a legitimate reason for hardship. I became divorce in XX/XX/XXXX so that took away half of that income, then my father became sick and my Aunt took over his house that was next door to me, I started taking care of my father then after he passed away, my aunt became dependent on me and I had my son whose mother had nothing to do with not even financially was my responsibility. all these issues with under {$30000.00} a yr pay. I recently then remarried in XX/XX/XXXX to my new wife who is XXXX XXXX and I do carry the burden of putting her in this mess. we have XXXXkids and XXXX grandchildren and we have borrowed money from family and friends. I believe that Beneficial illegally denied me for the assistance and since I 've read that they have been fined heavily for wrong doing, I was forced to hire a law firm to protect my home. I would have never gotten in this mess had Beneficial not told me to get behind on my payments. They told me it was necessary to be able to qualify for the hardship assistance. Then they played games with me. they told me they never received my paperwork, or this computer does n't have that information, they said they lost it and told me I had to re-apply. They kept changing relationships managers on me and I could never get the same person on the phone twice. My mortgage is currently over XXXX % of my gross monthly income. If that is not considered a hardship by Beneficial, that what really is? I believe I meet every single criteria put forth by HAMP program. My mortgage was originated in XXXX and I never refi 'd. this home this is ( was ) my families home and I took a loan out to update it. I am hoping that someone will hold these big banks accountable for homeowners assistance when they clearly deserve it. I think the main reason that Beneficial is not helping me is because I do have some positive equity and they want to get that money for themselves. I did not read anything on the HAMP guidelines that if a homeowner has positive equity that the lender does not have to approve them for HAMP, but maybe that is just the banks policy to maximize their profits. If I could just get caught back up and into an affordable payment, then I could keep my home, but I am at my wit 's end. there are an obscene amount of foreclosed homes in my neighborhood and more going up everyday and I do not want to join them. Please help me save my home. I want what is fair and right. 
Sincerely
Product: Debt collection

On or around XX/XX/2017 ALDRIDGE PITE LLP and agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, filed a adverse action claiming a Business has appointed him attorney in fact to seize my personal property which is used for household purposes. They have stolen my identity and created fictitious documents. I had a private agreement which these people and entities are not privy to, but somehow they have all my information including my social security number. XXXX XXXX XXXX was the complaining party stating the business entity XXXX XXXX XXXX XXXX, XXXX, DBA XXXX XXXX, NOT INDIVIDUALLY BUT AS TRUSTEE FOR XXXX XXXX XXXX XXXX submitted an affidavit swearing to own my household goods ( Home ) which they have no security interest. XXXX XXXX XXXX has also used my name without authorization or consent or any contract whatsoever claiming that I a natural woman gave a business XXXX XXXX XXXX XXXX XXXX in California power of attorney to act on my behalf. No such document exist! furthermore a business can not be appointed attorney in fact or power of attorney for a natural woman. Another agent by the name of XXXX XXXX. XXXX Bar # XXXX is also claiming the same and has send threatening mail to my domicile for a fictitious obligation. I have sent the firm a trespass warning and they continue to violate my rights by submitting fraudulent documents on the public record. These people are debt collectors and I requested the contract that they claimed exist and they refuse to comply and now i am homeless due to their treasonous actions.
Product: Credit card or prepaid card

I called Bank of America on XX/XX/2022 to dispute a fraudulent change on my credit card for XXXX for {$130.00} that was showing as pending. The charge posted to my account on XX/XX/2022 and appears on my statement as such. 

The service agent assured me that the charge would be investigated as fraudulent if and when it posted to the account. 

I received a claim resolution letter dated XX/XX/2022 that states the charge never posted and that my claim is being resolved with no action taken. 

This is incorrect as the charge still appears on my statement. I am not nor have I ever been a customer of XXXX and did not know what this company was until I saw this fraudulent charge. I was not issued a temporary credit while the claim was investigated and the resolution of my claim is factually incorrect, the fraudulent change remains on my statement despite my claim being resolved for {$0.00} with a letter that it never posted to the account. ( reference claim number XXXX. 

The handling of my claim has been and remains in breach of regulation E of the CFPB and Bank of America failed in it's responsibility to investigate reported fraud. Even now when I attempt to dispute the charge online I am told to call, only to be told that service is unavailable when I attempt to reach Bank of America.
Product: Credit card

On XX/XX/XXXX, I contacted Helzberg Diamonds Credit Card regarding unnecessary interest charged on my promotional account. As explained by the sales representative the first payment was due XX/XX/XXXX and that would put the 12 month promotion ending on XX/XX/XXXX, however the company is pushing the accrued interest now. 

With this, the sales representative explicitly stated that the 12 months extended from the first payment due date meaning that I should have been extended until XX/XX/XXXX. 

When contacting the customer service representatives, the first sales representative ( # XXXX ) consistently referred to different statements throughout the conversation and would not clarify which ones he was looking at. Then when asked to explain how the accrued interest was calculated resulting in {$1300.00}, he would not provide any explanations. This agent then put me on hold mid-sentence without explanation resulting in an almost 25-minute hold wait which I was then abruptly disconnected from. Calling on a separate phone, I was able to make contact with a different agent almost immediately. This agent plainly apologized for the mis-information between what the sales representatives were telling customers and what the credit card portion of the company was tracking. I then asked this agent ( XXXX ) to explain how the {$1300.00} to which I was then after going in circles and not getting any explanation for 25 minutes I was still not provided an accurate process to how this calculation was made. This agent, while explaining the interest, came up with XXXX completely different dollar amounts than were already shown on the most recent statement. I was then sent to a supervisory agent ( XXXX ) who continued to fail to explain how the interest was calculated. She mentioned the computer just calculates it and was not able to explain why there is a difference in the owed amount on the statement and original amount owed times the APR. When asked to read the terms and conditions of the card to show where it was lined out that accrued interest would be back charged at the end of the promotional cycle the supervisory agent did not have the terms and conditions, they are not on the website or my account and they were not mailed to me. The supervisory agent mentioned they could mail them to me but it would take 10-15 business days for them to arrive, which I did still ask to be completed. This cycle occurred for almost two hours total and there was no resolution or explanation of why the sales rep gave the wrong information or how the interest rate was calculated. 

Overall, the promotional program was directly made misleading to take advantage of consumers by having sale representatives tell customers information that does not match up to credit company information, not providing terms and conditions to the customer, and then charging accrued interest before the customer has been told the promotion would end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including name, social security number, address, birth date, etc. resulting in a data breach in XXXX XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft or fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for 'trial periods ' of their ID protection services for only 1 year of protection. The information they failed to secure could be used for decades. After 1 year of protection, I and millions of consumers would have to pay Equifax for ID protection services, which is outrageous. 

Further, the only tool available to me as a consumer to protect my credit reports is the 'credit freeze ', which Equifax XXXX and the other reporting agencies, charge {$10.00} for in my state ( Oklahoma ). They want to charge me {$10.00} to freeze my report, then charge me {$10.00} AGAIN when I need to unfreeze to conduct financial business. Then another {$10.00} to refreeze, on and on in perpetuity. That would be {$60.00} per free/unfreeze for me and my husband for each credit report related transaction, for the rest of our lives. That is criminal. I should not have to pay the company who compromised my data through gross cyber security negligence. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/ fraudulent behavior and indicated by the 3 Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing and unfreezing free and refunding everyone who paid for it following this data breach. Additionally, the Equifax PIN System for freezing/ unfreezing your account is based on providing the VERY personal information that was compromised and stolen. Thus, the parties who have the ability to steal my credit information also have the ability to unfreeze my account using the inadequate security measures that Equifax has implemented. I demand that Equifax change the PIN system to ensure that credit freezing/ unfreezing is actually a secure process. Finally, I demand that Equifax provide the secure ID protection program they are offering for 1 year to those affected consumers for the lifetime of their social security numbers and the information that was stolen. No consumer should be forced to purchase credit report protection plans from the very company for egregiously failed to protect their data in the first place.
Product: Checking or savings account

All my funds out my account was drained nearly over $ XXXX I needed for my rent XXXX I file several dispute forms and chime just denies them saying no error occurred when I stated I never received my card never used chime online account and had my work deposit sent to chime stated repeatedly I never received my card so how can I use it or how is Im responsible for some scammer using my account without my authorization
Product: Checking or savings account

To Whom It May Concern, I am writing to formally lodge a complaint against Citi Bank regarding the mishandling of my account, which has resulted in significant financial harm, emotional stress, and physical strain due to the XXXX XXXX XXXX XXXX XXXX XXXX The following is a detailed account of the events and their impact : Timeline of Events Account Opening and Initial Issues ( XX/XX/year> ) : I visited the XXXX XXXX, Florida branch ( located on XXXX XXXX XXXX ) to open an account and deposit a settlement check. 
Upon arrival, I experienced poor customer service. A teller informed me that no appointments were available and suggested I go to XXXXXXXX XXXX  instead. 
I walked to XXXXXXXX XXXX which is next door, only to discover they were appointment-only. I returned to Citi Bank 20 minutes later, where I was eventually able to open the account. This misinformation and lack of assistance caused unnecessary physical strain as I was forced to walk further while already dealing with XXXX injuries. 
Settlement Check Cleared ( XX/XX/year> ) : The settlement check I deposited into my account was cleared on XX/XX/year>. The representative who opened the account had instructed me to temporarily use a secondary phone number until my primary number was activated. 
Account Flagged for Fraud ( XX/XX/year> ) : On XX/XX/year>, my account was flagged for fraud after I updated my phone number, as advised by the Citi Bank representative. 
I received a text message confirmation from Citi Bank indicating that my phone number had been successfully updated. 
However, when I contacted the fraud department on XX/XX/year>, I was informed that my information could not be verified with what they had on file. This inconsistency caused confusion and further delayed resolution. 
Impact of Citi Banks Actions : On XX/XX/year>, I was in the process of securing a loan against my savings account to address urgent debts and protect my principal. The account freeze and conflicting information from Citi Bank representatives caused me to miss the loan deadline, resulting in financial losses. 
The inability to access my funds left me without money for transportation, forcing me to walk to resolve the issue. This physical strain worsened my existing XXXX injuries. 
The delays also caused me to miss an opportunity to purchase equipment critical to my trucking business, as I was negotiating the purchase of a semi-truck at the time. 
The stress of these events compounded my physical and emotional distress.
Product: Credit reporting or other personal consumer reports

I previously made a request ( CFPB XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> for removal of a tradeline from my XXXX report XXXX Well, I recently found that the tradeline still remains on my XXXX and Transunion. This credit line was opened fraudulently, and needs to be fully removed from ALL credit bureaus. The lines are showing a delinquency which affects my credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute information related to my bankruptcy case, XXXX, which is reflected in the court records. After reviewing the records, I have identified inaccuracies that need to be addressed and rectified. I kindly request your assistance in investigating and correcting these errors.Maintaining accurate and reliable bankruptcy records is essential, and I am committed to ensuring that the information accurately reflects my case and its outcomes. Please submit that the information has been validated by Georgia Bankruptcy Court located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I kindly request a thorough investigation into the disputed information and a prompt correction of any inaccuracies found. If discrepancies are confirmed, I expect a written summary of the results and the necessary adjustments made to the court records.