23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/2019, I received a letter from XXXX XXXX XXXX XXXX, which stated that they represented PayPal, Inc. in an overdue bill for {$300.00}. I immediately called XXXX, and they tagged the account as fraud. In XX/XX/2019, I again received a letter from XXXX which asked for additional documentation about the account. I replied by email that I had not made any charges to PayPal, that I did not know what the charges were for or when they had been made, and that I could not provide more specification information. On XX/XX/XXXX, I received another letter from Convergent with an attached letter from PayPal. The letter listed an account in my name and using my address but with an email address I had not opened or used and did not recognize. I followed the action plan on the IdentityTheft.gov website. On XX/XX/XXXX, I recieved a notice from another collection agency, XXXX XXXX , XXXX, indicating that my failure to dispute the debt within 30 days would result in XXXX declaring the debt valid.
Product: Mortgage

I am 100 % XXXX XXXX XXXX XXXXXXXX veteran who is not required to pay real estate taxes. I have Requested from PENNY MAC several times for escrow account deletion for several reasons. The first being I do not pay real estate taxes. Second, when I was Previously required to pay real estate taxes PENNY MAC was consistently late paying my taxes every time they were due over a two year span ( 4 payments ) from XXXX I would receive a tax delinquency letter from the county, and would have to immediately call Penny Mac to pay the taxes. Despite calling them every time to pay my taxes, they continue not to pay it on the next next due date. The third reason I have requested escrow account deletion is because I have a VA back loan and I am not required to have an escrow account thus allowing me to pay my homeowners insurance directly myself. PennyMac has denied me the ability to pay my owners insurance myself, despite having at least 20 % of my home loan in equity. Lastly, PENNY MAC denied my escrow deletion stating I have Been delinquent on my home loan. I have Not been delinquent. I was Approved for forbearance and upon forbearance ending I paid The lump sum of payments not due during forbearance. Additionally, no where in my PENNY MAC paperwork does it say my loan being in forbearance is considered delinquent. In fact, I was not delinquent prior to forbearance thus my loan status should not have been reported to the credit bureaus as delinquent due to the cares act. I should also be refunded money in my escrow account which PENNY MAC refuses to do. Ever since I have Reported to PENNY MAC Im a a 100 % XXXX veteran they have not been willing to work with me and have only given me the ability to speak on the phone with their call center located outside the US. I did receive a call from PENNY MAC and the person left a false extension number thus not allowing me to call.
Product: Credit reporting 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. Act Name : XXXX XXXX XXXX, XXXX Name : XXXX XXXX XXXX, XXXX Name : XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX, XXXX Name : XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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
Product: Debt collection

Please see complaint # XXXX " Notwithstanding, we have placed this account on hold and requested verification of the account from our creditor-client. It will be sent to Mr. XXXX if and when it is received. We trust this resolves your concerns. '' XXXX XXXX XXXX. 


I have waited nearly 55 of the 60 day feedback period. I have received none of this information. Again, I have received no phone calls or letters and would like to see proof of phone contact and any previously dated postmarked letters. 

The burden of proof lies on XXXX XXXX and no documentation has been produced. I have patiently waited another 55 days for the promised follow up and have received nothing. Not too mention the several months of damaging improperly filed collections. 

My previous complaint went nowhere. I wish to resolve this and discontinue filing complaints. However, I will not cease until this matter is resolved. An ideal outcome would be the erasure of this illegal reinsertion of a previously defunkt collection claim.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that I had XXXX late payment on an account that I was Never late for Consumer Reporting Agencies have assumed a vital role and have a responsability to report consumer information to the best of their ability with maximum Accuracy, I have Never been late on payments for the Account : XXXX XXXX XXXX account number : XXXX Please investigade and provide Proof with statements showing that these payments were late, If Proof can't be provided, I demand these payments be updated to on Time as they should be as I was NEVER Late, thanks
Product: Debt collection

XXXX XXXX, 2021. 
XXXX XXXX XXXX  ACCOUNT WAS PAID FOR LESS THEN FULL AND STILL SHOWING DEROGATORY ON XXXX REPORT. 

PLEASE DELETE OFF CREDIT REPORT.
Product: Checking or savings account

A gentleman on XX/XX/XXXX contacted my husband. This gentleman was pretending to be somebody from chase bank. Ask my husband if he made a purchase and XXXX  at a XXXX XXXX for over {$XXXX}. Prior to the call he received a text message asking if he authorizes this charge. And he said no the gentleman knew all of my husbands information such as address, phone number the last XXXX of his debit card. my husband has never dealt with fraud before, so not knowing what information to give out or not. When the gentleman asked for his pin number to confirm it to send out a new card my husband did. Shortly after I looked at our checking account, not feeling 100 % about the conversation with this gentleman. And noticed charges at a XXXX and a XXXX  gas station were starting to come out of our account. my husband did not receive XXXX single text message regarding these charges to authorize them. I dont know if this gentleman hacked into my husbands phone as he also hacked into our account to get our address and his last XXXX digits of his debit card. We contacted Chase immediately after being on hold with them for almost XXXX minutes. We finally spoke with a lady who was upset that Chase did not lock our account sooner. as now the charges were racked up over {$XXXX}. We explain to the lady what happened and she said that a temporary refund would be put on the account. When we did not receive the refund XXXX days later, I had called and the lady expedited it to get the refund right away since it was a couple days prior to XXXX and we had no money. we then received a letter on XXXX day saying that the funds were going to be withdrawn from my account because it was found that we authorized these transactions. We made a police report as well. I contacted Chase again gave him the police report number to contact them. We also contacted XXXX the day of the incident on XX/XX/XXXX and they did confirm a XXXX  came into their store and bought items totaling over XXXX}. And he used XXXX XXXX. Since he had my husbands pin number, he was able to do this. He also went to the gas station and made a few purchases there as well. As of today XX/XX/XXXX Chase bank took out all of the money that they refunded us. my husband contacted them and they said they found that we authorized the transactions because they sent us a text message and my husband replied yes. We not once received a text message from Chase. We received a fake test text message from the gentleman that called us to authorize the XXXX XXXX purchase. And when we put no to the response we got a message saying your fraud has expired. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company for months claimed I owed them {$5400.00} I kept telling them I did not. Months prior I filed an identity theft report with XXXX XXXX police department in Connecticut, I told XXXX that my information was compromised by someone who claimed to be them. They just kept giving me the runaround This is a conversation between myself and a supervisor wherein they admit to filing fake inaccurate credit reports, I maintained my calm but this thing had been going on for some time and they continued to make errors and promises to correct them but did not. 

XXXX video of Conversation between myself and XXXX bank supervisor XXXX XXXX XXXX XXXXXXXX I sent the documents required to have the false reports removed from my credit file, but months have passed and nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair rights reporting act : XXXX BXXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX have all violated my rights. 

15 U.S.C. 1681 section 602 A : states I have a right to privacy.

15 U.S.C. 1681 section 602 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I have master card credit card from bank of america I found transaction in my statement XXXX for XXXX XXXX MI. I did not made this transaction and i did not know any thing about this merchant. I made a claim to Bank of America after that they sent me a new credit card and remove this transaction. about one month later they called me and denied my claim. I tried to describe that I did not made this transaction but they did not gave me any attention. 
I called them again and reactivate the claim again. 
after one more month they did not change the decision
Product: Debt collection

I received a notice dated XX/XX/XXXX, from a XXXX XXXX, XXXX that a Judgement Creditor of Midland Funding LLC had a judgment against that I was ever contacted about as I was proved any documentation that I was to appear in court. I am a father of XXXX kids and during COVID19 I was unemployed for months. Thank go my landlord was nice enough to understand that I could afford the rent and now that I am back at work and I owe back rent to my landlord I can not afford at this time were so many people are faced with daily obstacles that place them on the border of being homeless afford to have my check garnished, especially for a judgment I know nothing about. This is horrible that this is happening. I will be going to XXXX XXXX XXXX and requesting that I be provided more information. My community is in the red hot zip code area for high XXXX cases and my kid 's school was shut down to have to deal with this is really unfair. Everyone in the country knows how this virus has affected people and to start garnishing people checks who can barely put food on the table is horrible. Please help me to understand what is going on. This is really unfair I ever received papers to appear in court on XX/XX/XXXX this is over five years ago. This is horrible that given what I have gone through being unemployed to now be threatened that a creditor who I have no idea who this creditor is, Now is garnishing my check is really inhumane and I was not informed is disgusting I have no idea to what is going on and I was ever informed that I was to appear in court back in XXXX no papers were send to me.
Product: Credit card or prepaid card

I received the letter from BOA customer complaint and was asked to call back to verify the case with XXXX XXXX, No matter how many times I call and leave many voice messages, but I still cant find her, maybe they were reluctant to solve my problem. I have the evidence of Call outs list The Email from the BOA : Dear XXXX XXXX, Thank you for contacting Regulatory Complaints of Bank of America. As your Resolution Specialist I welcome the opportunity to address your concerns. I am your point of contact until this matter is resolved. 

Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/2021 to confirm that information. My days and hours of operation are Monday through Friday from XXXX XXXX. to XXXX XXXX XXXX. 

Please note that we will be responding to your concerns via a secure email. Please follow instructions in that email to access our response. If you need additional assistance please contact me at the number below and I or one of my colleagues will return your call within 48 hours. 

This communication is for information al purposes only and is not an attempt to collect a debt. However, Bank of America, N.A. is required by law to inform you that this communication is from a debt collector. If you are currently in a bankruptcy proceeding or have previously obtained a discharge of this debt under bankruptcy law, this notice is for informational purposes only and is not an attempt to collect a debt, a demand for payment or an attempt to impose personal liability for a discharged debt. 

Thank you, XXXX XXXX XXXX XXXX Regulatory XXXX Bank of America XXXX, extension XXXX Case number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Mortgage

I applied for a refinance mortgage at Rocket Mortgage XXXX/XXXX/2021. After speaking to a representative I was advised to fax bank statements and income documents. I told them taht it was too many documents to fax. I was given a street address to send the documents now they can not find them. I sent the documents via XXXX and they were received by Rocket Mortgage. XXXX/XXXX/2021.
Product: Debt collection

Credence RM is sending me letters stating I owe XXXX-XXXX  money which is the amount of {$1000.00} but have failed to verify the debt and amount that I owe. I sent a certified letter asking for verification and they have failed to do so.
Product: Debt collection

This collection agency has been harassing me for a couple of years to the point of psychological abuse. A couple of years ago the started calling about a XXXX XXXX XXXX XXXX account, which my wife opened up in my name. At the time I was unemployed and not even a XXXX  XXXX, but because she was filling for me she decided to take advantage of the situation and did whatever she felt she could get away with. However to cut along story short a couple of collection agencies contacted me about the debt over the years, which I believed was accrued around XX/XX/XXXX/XX/XX/XXXX, I can't recall. I always addressed the situation and they all let me. Around XX/XX/XXXX, I had prolonged interaction/communication with the aforementioned collection agency, for which I have evidence in which this same matter was addressed. I believe I initiated an identity theft action but when they asked if I wished to get the police involved, i decided against it, but the matter was left I guess unresolved, however, this account was further disputed on my credit report around XX/XX/XXXX, it was actually removed from my credit report. However today I got a new credit alert a new file was added to my credit report claiming unpaid debt, and my credit score tanked. When I contacted Afni Inc earlier today they asserted that this account has just come into their hands in XXXX and that they have have never had any past interaction/correspondence with regard to this report hence i have to file an identity theft report, in short start the whole process all over again. I have filed a dispute on this account with XXXX, and Afni asserted that they would temporarily remove the derogatory remark on my credit report, while the matter was under investigation, again. Let me be explicit the Supervisor/Representative who I communicated with at Afni Inc and who initiated the identity theft report was adamant that this account only came to Afni Inc in XX/XX/XXXX and they have absolutely no record any correspondence with me in the matter. That is absolutely false and misleading. My impression is that they are either being vindictive and/or trying to get the account reset so as to pursue the debt ( {$140.00} ). I have NEVER attempted to hide from this situation and have addressed the matter at length over the years and I know the statue of limitations on this debt has expired after. This company NEVER made any attempt to contact me via phone or mail in their latest effort and it definitely false that they just got this account in XX/XX/XXXX as I have extensive proof that Afni Inc and I were in extensive contact in mid XXXX regarding this debt. i wish they they leave me alone I DO NOT OWE THEM OR XXXX XXXX XXXX XXXX ANYTHING.
Product: Debt collection

Hello, I received a letter in the mail from  Convergent Outsourcing Inc  stating I owed "   XXXX   XXXX   XXXX   XXXX   XXXX   money from a   XXXX   XXXX   account that is not even mine. They stated the amount that I owed was {$1100.00}, however when I called  XXXX   XXXX  on this with the account they stated the amount owed was {$850.00} and it was opened in  XXXX . It was then sold to a debt collector in  XXXX . Which makes this debt illegal to even collect on according to the fair credit reporting act. They are doing illegal practices trying to collect debt that is not even mine and violating the fair credit reporting act by trying to collect old debt.      Regards,   XXXX
Product: Credit reporting

Equifax is reporting XXXX inaccurate items on my credit report and has refused to resolve the issues. 
First is a bankruptcy report that should have been removed 2 years ago when both XXXX and XXXX removed the reported information from my credit reports as the reporting requirment for this item had passed and no longer should appear on a credit report. 
Second Equifax is reporting a collection report that is not mine I am currently a XXXX XXXX member in good standing and do not have any collections against me.
Product: Checking or savings account

U.S. Bank Advertised to offer {$500.00} cash bonus for opening a new checking account on their website ( www.usbank.com ). I opened a new checking account through their website on XX/XX/XXXX. I printed the screenshot which showing their requirements and cash offer details while I was doing my checking account application online. I met all the requirements and I was eligible for {$500.00} cash bonus on XX/XX/XXXX. On their advisement, they said that they would deposit the cash bonus into the consumers checking account within 60 days. 90 days passed, I still didnt receive my {$500.00} cash bonus. I contacted their customer service center several times. At XXXX AM XXXX XXXX on XX/XX/XXXX, the customer service representative called me ( phone number : XXXX ( XXXX ) XXXX ) and told me that they did not want to give me the {$500.00} cash bonus because I didnt have a credit card or other accounts in their bank. I told the customer service representative that they did not have this kind of requirement on their check offer advertisement. The customer service representative just terminated the phone call.
Product: Payday loan, title loan, or personal loan

While I couldn't make any payments on my vehicle for a title loan because of medical issues, the title company ended up sending out a repossession company. This company had to open up the door to see the vin.nunber and in doing so that person had to be able to see my my medication which is life saving. At that point they should have either stopped and knocked on my door and given me my medication or at least contacted me the next day so I could pick it up. It has been over 10 days and I had to go to the doctor 's office for another prescription because this medication is supposed to be around me at all times that's why I kept one in the vehicle. Just taking a vehicle without care of anyone 's possessions inside shouldn't be tolerated because it could cause a life threatening situation. What if this was my only one? I live in a small village and we have a small fire department, who is then responsible? Please don't me because everyone forgets once and a while that's why I had in the vehicle and they took it.
Product: Checking or savings account

Millions of Capital One Bank costumers have received their hard earned funds that should have been directly deposited into their accounts. This has been an ongoing issue for over 72 hours now. I specifically am impacted and I have no funds to feed myself or my family do to this tragic banking error. This is horrible for soany people. Capital One did not tell their costumers this was happening until social media started speaking out a out it. They have yet to give us n ETA as to when we receive our funds. This is day 3 for me now and I still haven't received my direct deposit.