23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by a process server on XX/XX/XXXX from the number XXXX, she told me to call XXXX. I called them at XXXX, XXXX said they were XXXX XXXX and were trying to collect a debt from Wellsfargo for {$10000.00}. He said they were setting a court date betweeen XX/XX/XXXX and XX/XX/XXXX, courtroom XXXX XXXX, and they were going to garnish my paycheck and put a lein on my house. They would also take anything I own. I explained that I didn't have the money but I would try to come up with something. He siad I could have until the end of the day. I frantically tried to get a loan, I was able to find XXXX for {$3800.00} and I called back to tell them I could have that by the end of the week. When I spoke to my XXXX he said we didn't owe anything on that loan and this was some scam. That loan was from XXXX and had been taken care of long ago. I called back on XX/XX/XXXX at about XXXX and told them that I did not owe this money and would not be paying them anything and I felt like the man that called me was horrible for threatening me like he did. The man said he had to stop talking to me and I should get a lawyer. He hung up. I called back and asked for the name and address of the company and they refused to give it to me, he said he can't talk to me. I called several more times and they said for the protection of their workers they can't give it out. They did say the name of the company is XXXX and XXXX and they are in XXXX. I explained again that I was threated by their employee, not the other way around and he said he could not speak to me anymore because I am now refusing to pay and he would have to send me to a voicemail.
Product: Checking or savings account

I've tried twice now to link my PNC account with another account ( once on XX/XX/2020 at XXXX. and once about a month before at XXXX ) using XXXX, but I'm being informed the PNC has made a change the prevents me from being able to link accounts.
Product: Mortgage

My mother, who is legally XXXX, has granted me power of attorney which is why I am submitting this on her behalf. 
My mother lost a portion of her income on XX/XX/XXXX when her previous employer ceased her XXXX pay. We applied for a loan modification through her current servicer at the time, Ocwen. All of the necessary documentation had been sent and during this time, her loan was sold to XXXX/PHH. Since that time, her loan has been an absolute disaster. How PHH is in business is beyond me. The modification was approved but her payment INCREASED. My mom made the decision to " just give up '' and accept their new modified terms. She was told by PHH that she will be on a trial-mod payment period and needs to make the prescribed 4 payments and she will then be reviewed for a permanent modification. 

During that time, PHH has regularly misapplied funds and has constantly contacted my mom to make multiple payments during the month. The most recent and egregious occurring on XXXX. My mom made a regularly scheduled payment on XX/XX/XXXX ( when she receives her SS income ) and the payment was put into a " suspense account '' and not applied to the loan. On XXXX, her homeowner 's insurance payment was due and PHH unilaterally determined that they would release the funds from this suspense account and use it to pay the homeowner 's insurance, despite the fact that my mom has an escrow account, and has been calling her nonstop stating that she is due for her XXXX payment. There has been no escrow analysis done and my mom has not had the opportunity to determine how she wants a projected escrow shortage handled, whether it be through a one time payment to bring it current or spread out and added to her payment. Additionally, PHH is misapplying the funds which has the potential to jeopardize her eligibility for the final modification. In speaking with them, they are advising that they have the right to apply funds as they see fit. I can not imagine that is accurate and everytime we call, we get a new story. Desperate to get some assistance with this horrific company.
Product: Mortgage

I purchased a mortgage with XXXX XXXX  to payoff a home equity loan in XXXX  they in turn sold the loan to Specialized Loan Servicing Company. For XXXX  years now i have been calling emailing and fighting with this company and providing information that i am not in a flood zone. They have now placed forced lender flood insurance on me 3 times at a price of {$3300.00} - {$3100.00} per year. In XXXX i received a letter that my monthly payment was going up from {$1000.00} per month to $ XXXX. Although i have sent many FEMA maps, letters from the originial lender and attemped to speak to someone of authority at SLS I have been unable to get any help. They all say they don't know how I can get to a person of authority to speak to. On XX/XX/XXXX I finally purchased a flood insurance policy on my own and paid in full for the year I just called and through the recording found out that they also deducted payment for that policy which I had already paid in full.. I sent it to the mortgage company on three separate occasions with no acknowledgement. They state my escrow is short approximately {$7400.00} which is all due to the forced flood insurance. At the first of XXXX the did in fact deduct at payment of $ XXXX which I can not afford on a fixed rate mortgage. I am desperate at this point and do not know where to go for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Again with a complaint against XXXX, XXXX AND TRANSUNION in regards to multiple account that are listed on my credit report under my name that are in fact erroneous. 
I will file suit against XXXX and all CRAs listing erroneous accounts under my name and social security number. 
XXXX, TRANSUNION AND XXXX  are all cohorts in knowingly publishing fraudulent account under Americans names without verification and authorization and my name just so happens to be on that list. 
This is the 100th time I have made specific demands against this felonious organization to remove such information from my XXXX  credit report to no avail. 
Again, this is a DEMAND to remove the following listed items without prejudice : XXXX XXXX XXXX XXXX -BAL : {$7000.00} XXXX -BAL : {$4300.00} XXXX XXXX XXXX-BAL : {$6400.00} | {$4800.00} | {$1100.00} As can be seen on my report, I have ZERO collections and per my history, all of my finances are paid on time. 
This CRA is an active participant in the destruction of the American Consumers credit rating and history. They are knowingly reporting information that is non-factual just because they can and will. 

I have opened a case with the Federal Trade Commission detailing such activity and have attached the report. This will also be sent to the respective Attorney general TO investigate this CRA! 

The following INQUIRIES will also be removed from my report, IMMEDIATELY without prejudice! 

XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX  XXXX-XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX-XX/XX/XXXXXXXX-XX/XX/XXXXXXXX XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX-XX/XX/XXXXXXXX-XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX*********THE FOLLOWING RESIDENTIAL ADDRESSES WILL ALSO BE REMOVED FROM MY REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT, XXXX XXXX XXXX CT -- Thank you, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had been looking on XXXX to rent a house in XXXX, Arizona for XX/XX/XXXX. A reply was received from the homeowner that the house was booked for my dates. Later on the same date, XXXX XX/XX/XXXX, I received a reply from the same person " XXXX, Please read my answer in the attachment of this message as I have great news for you. '' Signed, XXXX who is the homeowner. 

The attachment was as follows " Dear XXXX, I have great news for you but more information, booking process, discounts, and further details please contact me only directly by email XXXX I did not give this a second thought as I know owners will sometimes book off the XXXX website and offer better deals or discounts. All of the correspondence I received was then via email, including a request to send a money transfer for the home 's cost for XXXX. That cost was {$3300.00} and the wire transfer was done to Bank of America in XXXX, Texas. After the wire transfer was received, I then received via email all the necessary documents that showed my booking contract, Rental booking form, and payment complete. 

Just in the last few days, I have begun to feel uneasy about this transaction, especially as I search within XXXX and see the reminders about not paying off site. Today I reached out to the homeowner with questions. She states our last communication was when she told me the home was not available. She had never heard anything else from me, nor did she receive any money from me. I immediately knew I had been scammed. 

My financial institution, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND, told me they could not do anything, since in essence, this was a cash transaction, and it was gone. I still had the address of the Bank of America in XXXX, Texas where the money went. I then called there and was given a phone number for the Bank of America Fraud Department When I phoned them, because I do not have a Bank of America account, they stated they could not help me. I did have the account number of where the money went, and I asked if they could tell me if the account was still open. That was the only information they could provide, and it is still open. 

I do have all the documentation that I received from this person, that was very official looking with the XXXX letterhead. I am devastated and at the very least, would hope to have this Bank of America account flagged, as you can be sure other fraudulent money has been heading that way. 

I don't know what else I can do other than file a police report. 

I have not attached documents because I am XXXX years old and not very tech savvy. I do have things to show/share via another media such as email, if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Mortgage

I have already submitted a claim regarding this matter. PNC provided false information in their response and I had no ability to upload documents to prove their information was false. I am submitting that proof with this complaint.
Product: Credit reporting or other personal consumer reports

I disputed the following and ask XXXX to investigate these accounts ( XXXX, and credence XXXX ) these file are showing incorrect information and according to Fair credit reporting act and reporting agency to assure maximum possible accuracy. I send documentation from the creditor to XXXX and to remove credit file but they have not provided documentation about their process of how they were able to investigate. XXXX and Credence XXXX  management XXXX  agreed for pay for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

A total of XXXX unauthorized withdrawals from my Wells Fargo bank account withdrawn using XXXX. 
The XXXX was done in XX/XX/24 for a total of {$1000.00}, the XXXX, XXXX, and XXXX unauthorized withdrawals were all done on XX/XX/24 each for {$1000.00} for a total of {$4000.00}. I already made a report to Wells Fargo in XXXX when I noticed this theft but they refused to help
Product: Mortgage

I contacted my current mortgage company to refinance my existing home loan. I have provided all the information necessary. I had my property appraised and they were able to lock a desirable interest rate. I was following-up on the status of the refinance since I have not heard from them and found out that the employee handling the loan has left the company. I called customer service and it took them a while to get back at me. I was finally able to get a hold of the right person. They were responsive for few days and have now ignored me. I had to apply to another financial institution. With the move, I have to get another appraisal. The worst part is I can not get the same lower interest rate. Why do I have to suffer because the Company has no policy in transitioning client files when an employee leaves. Also, why are they now ignoring me after realizing they are unable to provide the same lower interest rate that was locked but expired because of their own doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Experian is allowing XXXX XXXX acting as debt collectors leave remarks on my individual report without my consent. 

Pursuant to 15 USC 1681a ( 2 ) ( i ) The term consumer report does not include- report containing information solely as to transactions or experiences between the consumer and the person making the report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I submmited a fully document Request for a Loan Modification with mortgage company M & T Mortgage XXXX Investor XXXX XXXX XXXX to reduce my mortgage payment ; instead to consider my case for a HAMP review, they approved me for a Streamline Loan Mod that reduced my mortgage payment to 43 % of my monthly gross income ( {$2200.00} ). Also they decided to charge me {$980.00} modification fees.
Product: Debt collection

On XX/XX/2024, XXXX XXXX XXXX XXXX XXXX XXXX contacted me via text message to try and collect payment regarding a debt I never had. The screenshots are attached
Product: Debt collection

I called the debt collector and they disagreed to take it off my report I explain to them I'm not responsible for this account I have insurance.
Product: Credit reporting or other personal consumer reports

Racial bais Geogphical profiling Social Profiling Racial Profiling Putting fraudulent accounts on my credit report 18 USC Section 241 15 USC 1650 15 USC 3002-10 ( Person )
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed I had one late payment on an account that was never late. Consumer Reporting Agencies have assumed a vital role and have responsibility to report consumer information to best of their ability with maximum accuracy. I have never been late on for my XXXX account ( account # XXXX ). Please investigate and provide proof with statements showing that my payment was late. If proof can't be provided I demand these payments be updated to on time as I was never late. Thanks
Product: Student loan

This complaint involves XXXX XX/XX/XXXX and management of the Public Service Loan Forgiveness ( PSLF ) program. I have been a public servant ( XXXX ) for over 15 years and have made student loans payments nearly this entire time and was subsequently found qualified by the DOE for the PSLF program. As XXXX is the only contractor allowed to service PSLF,  my federal student loan was subsequently transferred to XXXX in 2017. I  went through a grueling process of filling out and sending all the required forms for the various XXXX I XXXX at ( my husband is also a public servant XXXX employee and is moved frequently ) and was rewarded by XXXX providing denials to all my qualified employment for vague and unsubstantiated reasons which can not be resolved because they did not clearly identify reasons nor the specific employer they were addressing in their denials! As a long-time dedicated public servant who has struggled my entire adult life to pay my students loans on time and then thrilled to learn I was found qualified for this program, it is truly disheartening to be thwarted by unsubstantiated and seemingly arbitrary decisions made by a private servicing company. In addition, XXXX did not even have the courtesy to send me a letter or alert me to the denials! I only found out by visiting the website, logging in and looking under 'electronic letters ' to find multiple denials. Despite only being given '90 days ' to have my EMPLOYER send in a new verification form - I got NO emails, NO letters in the mail and thus could not respond within the given period. Even then, why would fedLoans not just inquire of the employer directly? In light of my own experience, and experiences of others reflected in several recent lawsuits filed against XXXX for their handling of this program, it is clear this company is not properly implementing and actively disparaging the PSLF program.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX has reported two bank accounts to XXXX XXXX  ( a credit reporting agency, in part ) in which they allege both accounts were closed for alleged account abuse and that the account where both closed in overdraft status. 

I attempted to seek clarification through XXXX XXXX on this matter on or about XX/XX/XXXX. XXXX  XXXX  XXXX simply stated their information was correct that Account # XXXX, Routing # XXXXXXX was closed on XX/XX/XXXX in overdraft status. And that Account # XXXX, Routing # XXXX was closed on XX/XX/XXXX in overdraft status {$82.00}. 

At no time do I recall be notified such accounts were closed due to account abuse or that the accounts where closed in overdraft status. Certainly, XXXX XXXX XXXX provided no notice as then or now to support such allegations under the Fair Credit Reporting Laws.
Product: Debt collection

On Sunday XX/XX/XXXX at around XXXX XXXX  XXXX XXXX from Kia Motor Finance called me the consumer/creditor per 15 USC 1692 ( a ) 3 1692 a ( 4 ) in an attempt to collect an alleged debt of {$630.00} for a XXXX XXXX XXXX Upon the initial phone call the agent was vague in her nature of the call and failed to immediately identify why she was calling and what she was calling in reference to. After informing the agent that I am the creditor per 15 USC 1692 ( a ) 4 and authorized representative for the account in question, XXXX XXXX became combative and irate telling me that what I was stating was not the case and that by " law '' she had every right to contact me and would continue to do so. This call was made to me as the consumer after XXXX XXXX located at XXXX XXXX XXXX, XXXX NC, XXXX received a notarized Notice of rescission per 15 USC 1635 along with a a certificate of service via Certified US Postal Mail number XXXX XXXX XXXX XXXX XXXX which was received by the seller XXXX  XXXX  on XX/XX/XXXX as evidenced by the tracking number. I am seeking damages from KIA MOTOR FINANCE for the following Consumer violations under Title 15 : 1692 c ( a ) ( 1 ) 1692 d 1692 d ( 2 ) 1692 d ( 6 ) 1692 e 1692 e ( 10 ) 1692 e ( 13 ) 1692 f 1692 f ( 1 ) 1692 g ( a ) ( 2 ) 1692 g ( a ) ( 3 ) 1692 g ( a ) ( 4 ) 1692 g ( a ) ( 5 ) 1692 g ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently disputed the following car loan : Bridgecrest. I have already brought this to XXXX, XXXX   and XXXX  attention. I have disputed the account multiple times for incorrect information from the monthly payment, to the terms, and also the original balance. I gave them a chance to fix it. It has been more than 30 days. They updated the item still with the incorrect information. I have sent the bureau a copy of my email coming straight for Bridge crest them self telling me my monthly payment. I also sent XXXX   my monthly statement where it shows Bridgecrest taking their monthly payment from my account. XXXX   has update my information and now it has the wrong date which I opened the account, and it shows no monthly payment and no terms.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I applied for and was approved for a XXXX Reward XXXX from Chase. I called them and informed them that I was recieveing the wrong promotion. I told Chase I could email the promotion to them. On XXXX XXXX, XXXX I was sent a letter that stated that could not receive the promotion from the email. I called Chase on XXXX XXXX, XXXX asking from the promotion that was offered. The Chase representative informed me that I would need to accept the lesser. I informed Chase that I would have not even applied for the card if I would have known I was getting the lesser promotion. I asked Chase to close the account. I do not understand why they would send me emails with better promotions and then grant something of lesser value.