23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2020 : During this Covid-19 Pandemic PHH Mortage Loan # XXXX has sent my loan to be foreclosured on, on my property XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX dispite XXXX. XXXX XXXX issued an executive order the suspension of foreclosures and evictions and dispite the CARES Act protection. For two months PHH would not allow me to make payments on my home and caused me to go into default and have piled on late fees and lawyers fees for months XXXX - XXXX during the Covid-19 pandemic. When I called XXXX XXXX office XXXX they were not able to give me what the reinstatement amount not were they able to tell me why my loan was sent to their office. They advised me to call back the servicer to get information as to what they reinstatement amount is and they could not tell me over the phone. I then called back the PHH and they advised that on XX/XX/2020 they sent my file to lawyer to be foreclosed.
Product: Checking or savings account

My wife and I have had a joint checking account at Citibank along with other financial products such as savings, a mortgage and a XXXX. My wife opened the XXXX about 10 years ago and she let Citibank manage the account. 

My wife started receiving calls sometime in summer XXXX from somebody who said the bank needs to see her passport copy. As she believed it was a scam, she kept ignoring the request. In the middle of XXXXXXXX XXXX XXXX, the bank locked the checking account abruptly and we were not able to access to the account. When we reached out to the bank, the bank said it locked the account as we did not provide the bank with her passport copy. It took a week for the bank to unlock the account after we provided her passport copy, during which we missed a couple of scheduled payments resulting in late charges by an utility company in total {$50.00}. We requested the bank to reimburse the {$50.00}, but the bank has completely ignored our request so far. What the bank did to us is I believe unlawful and I would like to bring this to the attention to the regulatory body.
Product: Debt collection

Discover has contacted me about an allege debt. I have informed them that I participated in a consumer credit transaction pursuant to 15 USC 1602i. I have informed them to cease and desist pursuant to 15 USC 1692c ( c ). Also informed them that I would like my account to be XXXX as this extension of credit was only extended to me through them ( Discover ) by me, the original creditor pursuant to 15 USC 1692b ( 4 ). I gave them my credit card ( Social Security Number ) pursuant to 15 USC 1602 ( l ) and never asked them to send me a bill or request for payment from me, on my behave. I've never gave them permission to contact me and much less never gave them permission to contact me multiple times through ANY medium. I received communication from them on XX/XX/2021, which I labeled " Exhibit A '' through the mail about this allege debt, they used obscene and profane language during in the letter they sent me as words that I found offensive such as " DEBT '' was used and that I owe THEM a payment, which is a violation of 15 USC 1602p, because as the card holder ( 15 USC 1602n ) I will not receive any benefit by making a payment to them on something I issued them, which is credit. The statement they sent me was in a positive amount indicating I, in fact, have a credit instead of a debt, which is a violation of 15 USC 1692 e ( 2 ) ( A ) false and misleading the character, amount or legal status of any debt. I asked them to validate the debt pursuant to 15 USC 1692g. I have yet to receive any contact from them. They contacted me at a time I was busy and being that I NEVER told them to contact me it was INCONVENIENT, which is a violation of 1692c ( a ) 1. Also I have made multiple payments in the pass and require that money back pursuant to 15 USC 1692h, as I have to direct them where to put the money, and I want the money to be place in a check addressed to me. Also being that I've been receiving correspond from them its a clear invasion of my privacy. The other violations are in the file I uploaded marked as exhibit A. Also they have been in communication with a consumer reporting agency which is a violation of 15 USC 1692b, communicating with someone else besides the consumer about a debt violation of 15 USC 1692b ( 2 ). I responded on XX/XX/2021 which they received which was confirmed by the USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/21, telling them to not contact me about an allege debt, that they have no right to try and collect, the content of the letter I sent them was a cease and desist letter pursuant to 15 USC 1692c ( c ) ; an affidavit of truth, a request of debt validation pursuant to 15 USC 1692g AND an invoice with the amount of damages they have done to me the consumer, when they tried to collect on this allege debt. I have yet to receive any correspondence or money for the violations to these aggressive and deceptive practices to collect a debt that has not been validated or verified pursuant to 1692g.
Product: Debt collection

Lexis nexis is reporting the folling cases XXXX under a XXXX XXXX case XXXX under a XXXX XXXX and case number XXXX I went to all of these court houses to dispute got no where because I am not any of the above people. My name is XXXX XXXX maiden name XXXX XXXX I have had only 2 names my whole life. I spoke to XXXX at lexis nexis his # is XXXX ext XXXX he said my consumer id is XXXX. I have tried several times for them to fix this and it has gone nowhere. Please help..
Product: Credit card or prepaid card

Home Depot credit card offered by Citi Bank advertise a promotion of 6 months interest free on balances but when promotion expired company charged deferred interest to my account. Large lump-sum interest was added to my account. This practice should be illegal. How are they allowed to do this after what happened with the financial market back in 2009?
Product: Money transfer, virtual currency, or money service

I got a Walmart2walmart sent to me and for some reason it keeps saying that I can not receive it at the location.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2021, I contacted Santander Consumer USA about having troubles making my payments. A few months ago, I had to have an operation due ; however, my insurance didn't cover the operation and I was forced to pay out of pockets expenses. 

I contacted Santander and informed them of the situation. The representative agreed to push back my loan due date and my credit wouldn't be affected. I made the agreed payment and have been current since. Santander reported I was late, when we both had an understanding that I would make a payment next Month. At no time was I aware my credit would be reported as late. Since all calls are recorded, I ask that someone replay the phone calls and hear the conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Experian, XXXX, XXXX and their nonaffiliated 3rd parties are violating my federally protected RIGHT TO PRIVACY. They are using and furnishing information on my consumer report without my consent which is causing damage to my reputation and character! This constitutes as a violation to the Fair Credit Reporting Act and the Gramm Leach Bliley Act. SEE ATTACHMENTS
Product: Credit reporting or other personal consumer reports

Showing delinquent when I have never been late. The billing history does not show anytime i have ever been late on my student loans. Showing a different account number across all three bureaus. Showing the same account number for two different accounts as one on my credit report and the same account should not be reported twice on my report. Last activity date needs to be corrected and updated. A lot of months throughout the years have nothing to report under it and all of this is coming directly from my credit report via myfico.com. Multiple inaccuracies and violations are being reported on my report and I am willing and able to receive {$1000.00} per violation on these inaccuracies on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act this company Comenity Capital Bank account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights.

15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U. S. C 1681c ( a ) ( 5 ) States a consumer reporting agency may not make any consumer report containing any adverse items of information other than records of convictions of crimes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.
Product: Debt collection

None of the options fit my complaint. I contacted Medical Data Systems regarding a medical debt with XXXX XXXX XXXX Hospital. I arranged payment in full with the understanding that this would be removed off my credit. The account is still showing on my credit report with a XXXX  balance. When I called back and spoke with my representative, XXXX, she told me she is not able to remove the debt since they do not buy the debt but work for the hospital. I called the hospital and was informed they sold the debt and Medical Data Systems would need to submit the deletion letter. 

Medical Data Systems XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed unauthorized inquiries on my Equifax credit report four different times. Each time I have received the same response " inquiries are factual record ''. I have contacted the companies at the addresses and phone numbers provided by Equifax and they do not have an account with me nor do they have any record of a credit request by me. I have explained to equifax that I have been a victim of identity theft several times since my college was hacked in XX/XX/XXXX. I believe the inquiries in question were an attempt to fraudulently receive credit using my identity. It is the duty of the credit reporting agency to investigate the authenticity of the information provided and to take a consumer dispute seriously. Just because an inquiry is factual does not mean it was authorized! After I received my last dispute results from equifax I called them and was told by a rep that they do not even investigate inquiry disputes. This is absurd! The FCRA clearly states that the only permissible purpose for pulling a consumer 's report is for a firm credit offer, insurance, employment or a court order. None of these apply to me so these inquiries need to be removed or properly investigated. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Approximately XXXX/XXXX/3020 I called Specialized Loan Servicing regarding my mortgage. I have gotten laid off on XX/XX/2020. All I wanted was some information. All the had was a recoding forbearance information only.I never signed for one and never spoke to a human being. It automatically put me in forbearance. When I got an email regarding it I called back right away to try to tell them no I do not want it yet I just wanted to know what my options were. Since that day its been a nightmare. They will not take me off forbearance. They also took me off my automatic payment through my checking account at XXXX XXXX. I called several times but these are the dates Ive documented XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. Every time I call they say theyre taking care of it and getting me off of it its been well over two months and Im still not off of it. I continue to get emails and letters telling me I need to make my payments or schedule something. I have made sure each payment has been made each month I am up to date. I have asked for a supervisor several times but none will call me back. It seems to me theyre keeping me on this forbearance so that they can get funds from our government. I also found out on XX/XX/XXXX my payment has still not posted and today is XX/XX/XXXX. I also have to keep watching my accounts they keep telling me they have me automatically taking my mortgage payment out. Not true. I keep watching that. This is the worst mortgage company Ive ever had to deal with in my whole life and Ive had several mortgages. I guess they believe theyre above the law. I want to see where my signature is for a forbearance.Thank you for your assistance in this matter
Product: Debt collection

On XXXX/XXXX/XXXX I made first contact with PayPay Credit in order to find out what the general status of the debt was. I was unable to get this information as they has stated that the debt had been assigned to XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX for collections and they could provide no further info and that I 'd have to contact them ( XXXX ). I then made contact with XXXX the same day, XXXX/XXXX/XXXX and was forwarded to a woman named XXXX who stated she was in charge of my account. She verified my contact info, e.g. DOB, home address etc. and gave me my internal reference number for XXXX. I mentioned I would be sending in some correspondence and I thanked her and the call ended. Shortly after that call, I went to their site and decided to try and register, which I did successfully and decided to browse my account. Menu options upon logging in were : Balance, View payments, Contact Us and Profile, all of which had info once clicked. I took several screen shots of what I viewed which I will attach to this complaint. I later went back after receiving an email from XXXX verifying my enrollment and to my amazement, all of it was no longer available and what was there was merely " Terms and Conditions '' under each category. To say the least I found this interesting. I later decided to fill out a Verification letter from CFPB XXXX XXXX ) and mailed it off via USPS Certified mail on XXXX/XXXX/XXXX ( file attached ). I have been very proactive in dealing with creditors since my wife and I had a major financial setback in late XXXX. The last time I had utilized PayPal credit was on XXXX XXXX, XXXX and to this date, XXXX/XXXX/XXXX I have had no contact from either PayPal Credit ( XXXX Bank ) nor XXXX in any form whatsoever. I also found it odd that upon viewing recent XXXX reports, from XXXX XXXX and from XXXX XXXX, XXXX appears nowhere on any of them in the reporting of this debt, however they requested an " Account Review Inquiry on XXXX/XXXX/XXXX ( screen shot attached ). Now, my last recollection of my balance with PayPal Credit following my last purchase in XXXX XXXX was approximately {$1600.00}. The amount that I was able to view upon logging in on the XXXX website before the info apparently was removed was {$2100.00} ( screen shot attached ) which of course I found completely outrageous to say the least given the lack of contact, not to mention it could very well be violating various codes ( XXXX XXXX Code XXXX - Unfair practices, Sections, XXXX & XXXX ). Again I will reiterate, I have not received any communication from XXXX let alone PayPal Credit in any way shape or form since XX/XX/XXXX aside from the " Account Review Inquiry '' on my XXXX report mentioned above.
Product: Debt collection

PROGRESSIVE MGMT SYSTE XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3100.00} {$3100.00} XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I am a XXXX veteran who receives 100 percent medical by and through the VA.. The VA will refer out into the community medical services from time to time .... I had XXXX XXXX XXXX throughout most ofXX/XX/XXXX, that were done through XXXX XXXX. 

In order to receive these services, XXXX received preauthorizations through the VA, prior to, and before doing any medical care. 

Somehow, or some way, XXXX decided to start harassing me for what little of my medical bills they feel they didn't get paid for. I have talked to them numerous times, and they tell me they will take care of the problem, but instead have forwarded collections to this Progressive Medical ( above ) In spirit XXXX agrees that I was not in the authorization chain, and that procedures were authorized through XXXX and the VA ... .. But yet, they are harassing me, and reporting bad credit. As a last resort I am reporting this matter to you, as nothing seems to deter these characters ... 

XXXX is a fine organizati0n, but once something gets going through their system, seems no human can stop or override it. As far as Progressive, they are obnoxious, as most of those type companies are but are only doing their job as XXXX gave them these balances to collect. 

Help! XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I did not authorize these inquiries, and they are negatively impacting my credit score and overall financial health. I respectfully request that these inquiries be removed from my credit report immediately. 

The hard inquiries in question are as follows : XXXX. XXXX - XXXX XXXX. XXXXXXXX XXXX XXXX - XXXX XXXX. XXXX XXXXXXXX XXXX  - XXXX XXXX. XXXX  XXXX XXXX - XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a credit reporting agency may only include hard inquiries on a consumer report if they were made for a permissible purpose, such as an application for credit initiated by the consumer. Since I did not authorize these inquiries, they do not meet the criteria set forth by the FCRA.

Additionally, 15 U.S.C. 1681i ( a ) obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of any information on their credit report. I am formally requesting that you conduct such an investigation to verify the legitimacy of these inquiries.
Product: Checking or savings account

I became aware by checking my bank statement. I did not make these particular charges. I am unable to contact XXXX to dispute or access on line account to provide billing information as requested by Regions due to Covid. When I became aware I tried to contact XXXX and was # XXXX on hold and since then havent been able to contact anyone. They have on line help from a Robot and it doesnt help me with my concern. Regions Bank told me since I purchased the package before then they cant refund my money. I advise them I did purchase the XXXX package only once and that was for my son 's birthday. He is XXXX and XXXX  XXXX, so I have to make all transactions. In addition, a two party authorization is set up and required before the purchase and you get an email afterwards ( neither of which I received ). My card was compromised and that is why I filed a claim and closed that card out. I have been speaking with Regions for months and all I am being told is they will file complaint with their Complaint Dept. With COVID and my relatives being misplaced due to Hurricane Laura there is no way I can afford not to get my money back for services I DID NOT use. I also filed a police report with XXXX XXXX Sheriffs dept. 
XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/202 XXXX XXXX XX/XX/2020 XXXX all with same transaction id of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : - XXXX XXXX XXXX  XXXX XXXX : {$1300.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditoXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} EXPERIAN XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact the bureaus to have information updated and removed, however still appears.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  XXXX  XXXX  ( inquiry XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and United Auto Credit Co ( XX/XX/XXXX ). I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.