23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/19 around XXXX a collector for Eagle Recovery attempted to call my wife at work. She then called the number back and the company continued to talk to her about a medical debt in my name which I had not given them authorization to talk to her about. She told him that I would not have given them her work number, as I do not know it, and that she was not allowed to receive outside calls at work. He continued to talk to her about my medical debt, some of which was even incurred prior to our marriage. Within a week, I went and made a small payment at their physical location and advised we would make payments as our budget allowed. The collector that had previously called her spoke with me the following day advising that I had not made a large enough payment. I again told them that we would make payments as our budget allows. 

On XX/XX/19 at XXXX XXXX the collector called my wife 's cell phone and left a message to return his call. She returned the call. He did nothing to verify her identity. She told him I hadn't given him authorization to talk to her ( my wife ) and he said he didn't need that. He then said he'd called and left several messages for me, which I recall receiving one message that was left when I was not available to answer the phone. She told him that she is XXXX and has an XXXX  disorder and she couldn't talk to him for medical reasons. He continued to try and keep her on the phone. She again told him he did not have authorization to talk to her about my medical debt. The collector also told her she had agreed to make payments on a specific schedule, which neither of us have agreed to, it was only discussed. She reminded him that the last time I spoke to him about the debt I had advised we would make payments as we are able to. When she continued to try and end the call due to her increasing XXXX and having been advised by her doctor to avoid added XXXX  during her XXXX, he continued to try and speak to her, again without my permission. She ended up disconnecting the call as he stated he would notate their discussion and that we still owe the debt. I am not disputing the debt, I am well aware I owe this money for medical services provided.
Product: Checking or savings account

I went to my local Wells Fargo bank where I have my personal account and a credit card to open a joint account with my mother who I have Power of attorney due to her XXXX. The bank account was set up and opened in person with all of the proper paperwork. I paid for checks while I deposited money and opened the account. The next week later, approximately XXXX days I was called from the bank where I opened the account and was told that they wanted my mother 's social security card and would not accept a copy or the account would be closed. This was never explained to me during the XXXX hours I waited and the account was opened! I told them I couldn't find my mother 's social security card but I had a copy in which they refused. I told them I was trying to get a replacement card but it has taken time due to the fact t that my mother is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and doesn't currently have any other ID. Well on XX/XX/12 the account was automatically closed. I was sent a cashiers check for the rather large amount of money and I'm unable to deposit or cash the check because my mother is the payee and I still don't have her ID even though I'm the attorney in fact on the account. If I would have known this procedure before they opened the account I would still have this money for my mother 's care that I really need for her. This has been a very stressful situation I've been put in being now stuck with money I can do nothing with over a policy that was not explained to me until after I opened the account and was using it. 
Wells Fargo obviously cares nothing about their customers or they would make sure this kind of mistake wasn't made in the first place. I have lost all faith in banks at this point. At the very least they should have given me more time to get what they needed due to it being their mistake in the first place! Thanks
Product: Mortgage

I am trying to settle the estate but the mortgage company will only communicate with the attorney. I have not received a statement in two years. I have called and written many letters.
Product: Credit card or prepaid card

I used reward point to redeem for digital XXXX card on XX/XX/XXXX. During the process, I input my email address but I miss typed email address. 

Since I didn't get anything, I checked in credit card website, I found out there was miss typing email address, called them and fixed it on XX/XX/XXXX Wednesday. A representative said give a day or two to fix it. I called back on Friday XXXX but the person said call back on Monday. 

I called back on Monday XXXX and the person said they ( reward point departments I guess ) will re-issue with corrected email address by today ( Monday ) or no later than Tuesday. 

I called back on Wednesday XXXX to get update information but the lady whose name is XXXX said it is duplicated requests and they will find out what happen and she told me call back later but didn't said specific time period. 

Finally, I called today Monday XXXX and spoke with representative, she said the case is closed because they already re-sent reward card with updated corrected email address on Monday XXXX. I told her that I have checked every Junk mails everyday not to miss reward card but I haven't gotten anything this point. She transferred phone call to higher position and the phone was hung up at the end. 

It seems like never ending processing. Over the last two weeks, I have made few more phone calls than I described in this statement. I have saved reward point for a year to use them for my kids XXXX gift and now I don't know what I can do. I desperately ask a help. 

Please consider my case. 
Thank you Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

The United States Bankruptcy Court does not report any information to the credit bureaus and is responsible for verifying or validating information from consumers credit files. Bankruptcy filings are publicly available.

The Bankruptcy Court has no interaction with credit bureaus, including XXXX, TransUnion, and XXXX. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 
Under the Fair Credit Reporting Act, both the credit bureau and the information provider ( that is, the person, company, or organization that provides information about you to a credit bureau ) are responsible for correcting inaccurate or incomplete information in your report. The credit bureau will verify the item in question with the creditor, who must respond within 30 days. After the investigation is complete, the credit bureau will notify you of the outcome. If information on your credit report has changed or been deleted, you will receive a copy of the revised report
Product: Mortgage

Mr. Cooper force placed insurance on my loan with them via an escrow account ( originally signed with XXXX XXXX  before being transferred to Mr. Cooper without my knowledge or authorization ) in XXXX of XXXX  although I had home insurance. 

I did not receive this request nor did I receive notification of this action. 

In XXXX I was charged {$250.00} in addition to my regular mortgage of {$1600.00} ( {$1300.00} principal + {$260.00} in interest. Since then I have been charged {$76.00} in monthly escrow charges from XX/XX/2023 through XX/XX/2023 ( 6 months x {$76.00} ) for a total of {$450.00} and when added to the initial charge of {$250.00} for a grand total of {$710.00}. 

In XXXX I provided them with proof of my self obtained insurance and they canceled their force placed insurance. Mr. Cooper has continued to charge the escrow fees as detailed above despite more than half a dozen written requests and several phone calls asking to remove these charges and refund all fees paid. Their their staff have failed to be even remotely helpful at best, and incompetent at worst. 

They also claimed to have sent a check to my insurer ( as to why I have no idea ) which was never received and in fact was traced via XXXX  XXXX tracking to a mail room in Texas. No further information on that has been provided. 

I've received multiple letters that are nothing more than delay tactics I'd describe as tap dancing. Based on my experience and their poor responses, it is my belief this is a predatory practice used to swindle borrowers that may not have the resources, wherewithal, or sheer endurance needed to get this company to do the right thing. 

The remedy is clear : Cancel all future charges and refund the money they have unfairly and very likely illegally stolen from people via this process, and quire possibly others. 

I would be shocked if there aren't thousands of people being bilked by Mr. Cooper 's predatory force placed insurance tactic.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent accounts on it. Please remove this account from my report because it is hurting my ability to obtain credit. The company indicated that this account has been deleted from my report, but it still shows up.
Product: Mortgage

In XX/XX/XXXX I applied for a HELOC loan with Trustmark Bank. The loan was for debt consolidation of my credit cards and others loans. I was denied. The reason for the denial was debt-to-ratio. The loan was to bring debt-to-ratio within the guidelines. XXXX to XX/XX/XXXX my credit score was XXXX and my payment history was perfect. On XX/XX/XXXX to XX/XX/XXXX I went thru a divorce. On XX/XX/XXXX I tried a debt consolidation company. I shared all this info during the process an was still denied. I have had an account ( checking ) with Trustmark for 30 plus years. Dew to my credit history and my history with Trustmark Bank I feel that I was discriminate against.
Product: Checking or savings account

Ok so i opened my account on XX/XX/2022 online then on the XXXX my aunt wired XXXX to me they went ahead started blocking my account i verified everything. Thet comtinued to put road blocks up so i couldnt accesx my money then they said that i had 10 days to verify my identity or my account will be closed when j verified my identity on the XXXX theh said now u need to verify the transfer was intended for me so i sent the will then tbey said ok we still need you to verify my address but this id the first time they told me thsr so on the XXXX i again verified everything but now they say oh we need 2 more business days to verify the papler work im still without my monry then on the XXXX they closed mu accouny because it took longer then 10 days but thr XXXX was the tenth day the day i turned it in. Theg said they didnt get anytgung untill XXXX wich is a sun now on the XXXX theg reopened my acciunt but still did not want to give XXXX my monet my ins registration and ither bills are noe past due but im sstill broke
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, NV XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX **Subject : Dispute of Charge-Off Account - NATIONAL CREDIT SYSTEM ( Account Number : XXXX ) ** I am writing to dispute inaccurate information that appears on my credit report. The items in question are inaccurate on this account. These items are inaccurate and do not reflect my actual credit history. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these inaccuracies be investigated and corrected as soon as possible. The FCRA requires consumer reporting agencies to ensure that consumer reports are accurate and to conduct thorough investigations of disputed information. Furthermore, it mandates that consumer reporting agencies follow specific procedures before reinserting previously deleted information into consumer reports. According to the Consumer Financial Protection Bureau ( CFPB ), XXXX has been found to conduct faulty investigations that fail to address consumer disputes properly. It has been reported that XXXX uses flawed intake procedures and does not convey all relevant information to the original furnishers. Additionally, XXXX has been known to reinsert inaccurate information without matching it with records of previously deleted information. Therefore, I expect XXXX to conduct a proper investigation and provide me with the results. If these inaccuracies are not promptly corrected, I will consider taking further action, including filing a complaint with the CFPB and seeking legal advice. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Product: Student loan

XXXX-> XXXX-> XXXX XXXX  XXXX-> XXXX XXXX-> F.H. CANN & Associates Inc. 

I paid nearly 9 years of my student loans without Interruption. I then lost my job. Up until that point I had paid $ 20,000+ of my {$16000.00} loan. So I had paid {$4000.00} in interest at that point. 

After a certain amount of time not being able to perform on my loan, it went into collections. Though XXXX never mailed me the bills, or informed me they were sending the debt to a collection agency. They claim they sent me e-mails, though they did not. They never sent snail mail either. 

Now the collections agency, FH CANN is attempting to charge 24.34 % for collection costs. 

Luckily I only owe > {$2000.00}. What if I owed {$100000.00}?! Thats a {$24000.00} Collection fee! 

It equates to 4 years worth of interest in one charge. All because I couldnt perform on the loan. This is way too much money for a collection fee. To make matters worse, they then send the agreement that says, they will only charge 16 % collection fee if I sign and perform on the collection agreements, otherwise its 18 %. The kicker is, they then choose who they want to sell the note too, and then the new company reserves the right to charge a collection cost on top of it! 

This has to be illegal! 

If you, as a an owner of a bank, are offering student loans, you are investing in a generation of people and a job market. The risk of the investment is lack of job opportunity, yielding limited repayment. Either way, as a world leader, the fringe benefit of your infrastructural investment is the educating of your population. 

The first chance you get, you dont sell the paper to a shell company, then charge outrageous fees once that person or people fall on hard times?!?! This is not how this business plan was originally built. It needs reform! 

What is the cap on collection costs? 

What are the rules for selling the debt? 

What does transparency in servicing options look like. No Deception! 

Please contact me with proactive or already in place regulations that will assist me with this companies attempt to collect a nearly paid off debt that they are trying to stock pile one-time insurmountable fees on top of.
Product: Debt collection

I recently looked at my consumer report and noticed an item that doesn't belong to me. I am a victim of identity theft and this is not supposed to be listed. I did not authorize permission for this to be listed on my consumer report to anyone.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. CAPITAL ONE XXXX and CAPITAL ONE XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint and dispute regarding collections, incorrect name, closed accounts and incorrect addresses that have been reported inaccurately on my credit report. I believe that the collection agency responsible for these entries has violated consumer laws and regulations, including those outlined in the Consumer Financial Protection Bureau ( CFPB ) guidelines and the Fair Credit Reporting Act ( FCRA ).

Violations of Consumer Laws and Regulations : 1. The collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) before reporting the collections on my consumer report.

2. I have not been given an opportunity to dispute the accounts in accordance with 12 CFR 1006.34 ( c ) ( 40 ) ( i ), which grants consumers the right to dispute inaccuracies.

3. The collection agency 's actions amount to false, misleading, and deceptive practices, violating consumer rights as per the laws and regulations governing fair debt collection practices.

4. The collection agency has furnished accounts to consumer reporting agencies without providing the necessary disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

Requested Actions : 1. Remove the collections and closed accounts listed above from my credit report immediately.

2. Cease all communications with me via text, calls, and emails, as I am revoking any prior consent for such communications.

3. Provide validation of the debts, including the purchase agreement between the collection agency and the creditors.

4. Furnish proof of the collection agency 's licensing and bonding status.

I expect a thorough investigation into these matters and a written response within 30 days, as per regulatory requirements.

Additionally, I request that this complaint and dispute be forwarded to the respective credit bureaus for their review and corrective action.

Thank you for your attention to this matter. I look forward to a swift resolution and the removal of these inaccuracies from my credit report. 

Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Joint Date Opened XX/XX/XXXX Status Account charged off. {$36000.00} written off. {$38000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$38000.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$37000.00} Highest Balance {$0.00} Terms 77 Months On Record UntilXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX 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 XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX mortgage. In XXXX I received a letter AND XXXX statement stating that Freedom would be my new servicing lender. Instead of paying XXXX with their invoice/statement, I followed instructions and made my first payment to XXXX XXXX. I did not have anything from XXXX at the time, only documents from XXXX. So, when I made my first electronic payment to Freedom, I used my loan number from XXXX and made my first payment. I continued month after month to make my payments with the original XXXX loan number under bill pay. It wasn't until XXXX, when I noticed on my Freedom statement that it showed I was past due. I reached out to Freedom 's message center and was trying to clarify for months that in fact I was not past due, my payment was sent. I finally got a hold of a gentleman ( In XXXX ) who told me that my XXXX payment was missed, when it fact I showed him proof that it wasn't. During this time I was told I didn't have insurance on my home, when in fact I did. My bookkeeper sent them proof via e-mail, messenger and through the insurance portal. Finally, this got cleared up after they tried to force place insurance on my home. Going back and forth with the message center, I decided to reach out to the President of the company because no one could find my first payment. From there, another gentleman responded back. He informed me that as well that my payment was missed and suggested I looked at my statement for that month to see what happened. To my surprise, in the middle of the month, the payment was returned, and without any notification. When I looked at the statement, the payment returned was from a company called XXXX XXXX XXXX The gentleman told me that Freedom couldn't identify me as the borrower with my XXXX loan number. That immediately put me behind. Since then, XXXX, XXXX, XXXX, and so forth, I have continued to bill pay Freedom every month using the only loan number I knew, which was XXXX and the payments were accepted to my account. The statement was very complicated to understand, not like XXXX. In XXXX and XXXX, a simple mistake, my bookkeeper shorted 2 months of {$80.00} each by putting the wrong amount. I was not notified about the first payment being incorrect so through bill pay, I made the second payment. Then I was told they didn't know where to put my 2 month payments, so they left them unapplied, which doesn't make sense. If they had applied it, I would have noticed the accidental short pay. Because of this, my credit score has plummeted from the 700s to the 500s. It has impacted my ability to do any type of financing. All this was because they didn't accept my first payment and didn't notify when I made the first mistake on my payment ( for XXXX ). Please review the XXXX monthly statements compared to Freedom 's, which is very difficult to understand. Let me know what else you need further from me.
Product: Credit card or prepaid card

On XXXX XXXX, 2019, I purchased a round trip ticket from XXXX to XXXX from XXXX for XXXX with my Chase credit card. 
Between purchasing the ticket and the date of the flight, I changed my last name. I called XXXX to change the name on the ticket. They said there would be a {$25.00} administrative fee, which I agreed to pay. 
On XXXX XXXX, 2019, XXXX charged me the {$25.00} administrative fee, plus {$810.00} for a new ticket. I called XXXX and they said they could not change a name on a ticket, they had to create a new reservation ( the agent did not tell me this on the phone ). They did not refund the original ticket, but charged me for a second ticket at a higher price. They said their system does not allow for a name change, so they had to create a new reservation. The agent said I agreed to the charge, but I only agreed to the {$25.00} fee. Who would agree to pay for two tickets? 
I disputed through Chase twice. XXXX provided a typed note saying I agreed to the charge. I did not agree to this charge. The agent can type anything they want in the comments, but why would I agree to pay for another ticket?