23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This letter is in response to your companys furnishing of the above information to my XXXX XXXX XXXX XXXX XXXX credit bureaus. Under the FDCPA, I dispute this debt. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt vs Gravens ( mo ) 281 SW 715 179. I presume that no proof of the alleged account, nor therefore any such debt, in fact therefore exists. Nevertheless, I am unable to find any documentation of any contractual relationship between the above company & myself, legally listing you/your company as a person/company entitled to enforce/furnish a commercial claim/payment history against me. 
This is NOT a request for verification or validation. 
This is a demand for : 1. Consumer Notice as required under USC 1016.4 & USC 1016.5 2. Account Ledger and monthly statements 3. Forward Flow Agreement, pursuant to 15 USC 1681a 4. Purchase Agreement, pursuant to 15 USC 1602 ( k ) 5. The account date of last activity, and payment notation 6. Medical Release Waive, Bearing my signature Failure to respond satisfactorily within 15 days of receipt of this certified letter may result in a small claims action against your company, seeking up to {$1000.00} per violation for statutory and economic damages for : 1. ) Defamation 2. ) Violations of the Fair Credit Reporting Act 3. ) Violation of 15 USC 1681b 4. ) Violation of 15 USC 6801 5. ) Violation of 15 USC 623-b 6. ) Violation of 15 USC 807-8 7. ) Violation of 15 USC 1692 ( b ) 2 8. ) Violation of 15 USC 1692 ( F ) 8 9. ) Violation of 15 USC 1692 b ( 5 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EARLY WARNING DISPUTE Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, Georgia XXXX D.O.B : SSN : Driver Lic XXXX Consumer ID : XXXX 1. Disagree with reporting of XXXX XXXX  ( Ref #  XXXX ) principal loss amount of {$1000.00} the funds were held for verification for a fixed period of time by the bank until collected from deposits. The original amount of principal loss is incorrect and I am requesting removal of this account until validation is met under the federal guidelines and forwarded to me by way of statutory mail, please send detail documents of stated amount 2.  Disagree with reporting of XXXX XXXX  ( Ref # XXXX ) principal loss amount of {$360.00}. This account was closed by myself consumer because of funds delayed for extreme periods of time. No balance was owed for this account. Bank charges are said to be closing charges. Please have bank provide closing charges disclosures that read {$360.00} is required to close an account. Please remove this account until I receive debt validation by way of statutory mail and allow 30 days to dispute. Please send detail document of stated amount 3. Disagree with the reporting of XXXX XXXX XXXX XXXX ( XXXX ). I have reached out to XXXX XXXX XXXX XXXX several times and no one has been able to provide validation of the debt amount ( {$3300.00} ). I have reached out to XXXX XXXX XXXX attorney at law 3rd party to Delta XXXX XXXX XXXX and requested debt validation for the amount of {$3300.00} and received a certified letter stating I owe this amount with no proof attached or documents to support amount. Please remove this reporting until all statues has been validated under the FCRA mandates.
Product: Mortgage

Today is Saturday, XXXX XXXX 2017. I 've been trying to pay my mortgage on mrcooper.com for approximately 10 days. I have n't been able to login to my account on their website for this entire time. I have asked the company to reset my password 4 or 5 times and have been successful in changing it most of the time. On their website, after choosing a new password, you are then directed to a page to login with the new password. This is n't working. I know that I am typing the passwords that I have just chosen yet the website still says my password is incorrect. I have sent emails to the only email address I can find on their website which is designated for reporting accessibility problems due to XXXX or XXXX Mr. Cooper has sent me a very nice email telling me that I have sent an email to the wrong department and that I should call the company instead. No one is answering my phone calls. I realize that it is the XXXX season. People want to be off work. Should n't there be a message on their phone system saying that they are closed for the holidays? This company recently purchased my mortgage but I was able to make my payment online last month. This is incredibly frustrating and I want to get this resolved before the end of the year. I apologize for ranting.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX XXXX # XXXX, 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

In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX, 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. Also states a consumer reporting agency can not furnish an account without written instructions or consent.
Product: Student loan

I have been dealing with Sallie Mae, now Navient, for the past 14 years regarding repayments. They have forced me to refinance at higher rates than the supposed fixed rates that I borrowed at. They have also reported me to multiple collection agencies for the same loan that went into default. I finally settled with one company and paid it back for a lesser amount in total. Now they have sent that same loan that I settled to another debt collection agency and they're trying to extort more money out of me. I am current on all other loans with Navient.
Product: Credit reporting

XXXX-Misled me on an inquiry about truck loans-I told the salesman NO HARD Iquiries-and to use my SCORESENSE service to see if it made sense to continue-RESULTS HARD INQUIRY FROM XXXX XXXX XX/XX/2015 XXXX-2inquiries 1 : XX/XX/2015 from XXXX XXXX by way of XXXX same type of scenario 2 : XX/XX/2015-Unkown inquiry according to XXXX they dont know who ordered it XX/XX/2015-XX/XX/2015 ANOTHER INQUIRY AGAIN-XXXX Go XXXX-salesman ( named XXXX ) assured a soft pull-RESULTS : HARD PULL EXPERION
Product: Credit card or prepaid card

We are paying over the Minimum payment each month and the overage is not being applied to the account ( Cash Advances ) with the higher Interest rate, currently 26.240 %. Instead, Wells Fargo is applying the overage payment to the lesser interest rate account ( Purchases ) 11.490 %. Consequently, I'm paying off the lower interest account faster, however the higher interest account is just piling on more interest and not getting paid off at all. In essence, I'm incurring more debt. 
I have contacted the bank via phone XXXX on XX/XX/XXXX to rectify the problem. I spoke with a representative, XXXX  and then XXXX. XXXX  put in a request for a Case Manager to contact me back via phone or email. Case # XXXX Wells Fargo Bank sent me a letter dated XX/XX/XXXX stating that " According to the Wells Fargo Business Credit Card Customer Agreement , payments and any credits to your Account will be applied in the order determined by the Bank at its sole discretion. Generally, payments are first applied to Bank Fees and Finance Charges then to the lower interest rates and then to balances with higher interest rates. '' Letter is signed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX. 
This seems to be in direct violation of The Credit Card Act of 2009.
Product: Debt collection

Hello, I'm not sure if I answered the correct pro-forma questions because I wasn't sure which of the categories my situation falls into. 

I recently had a collection appear on my credit report from the collection agency Radius Global Solutions. It's for a medical bill. I have no idea what this medical bill could be and have not been contacted by any of my medical providers for an amount similar to what Radius is asking. I had  some labwork done around the time Radius claims my debt was created, but my insurance company shows that the service was paid for in full. Also, I did receive a phone call from a collection agency several months ago about thousands of dollars of medical debt, but given that, to my knowledge, I had no outstanding bills I assumed it was a scam.

I can't get any additional information from Radius Global Solutions because they literally never answer their phone, and the voicemail is full. I have been trying for weeks to contact them about this mystery debt but every time I call the main line they tell me it's the wrong number and they give me the correct number. When I call the correct number it rings for hours and eventually gives me the option to leave a voicemail ; however, the voicemail box is full and so I can't leave a voicemail. So, when I try to contact their " quality assurance line '' I also don't get an answer and so I leave a voicemail ; however, after two weeks and several voicemails, I still haven't gotten a call back. On the last couple of voicemails I told them that if they didn't call back I would file a complaint with CFPB or FTC. 

This is affecting my credit significantly, I never received any mail or phone calls from any original provider notifying me of any debt, and the collection agency has yet to explain exactly where this mystery debt came from. 

Please help. 

Thanks you.
Product: Debt collection

I have never heard of, done business with, nor have I been contacted by the collection agency regarding any debt. I have not received any notice of debt, notice of the right to dispute, any information to verify or validate this alleged debt, or any other correspondence from this company.
Product: Credit card or prepaid card

I was advised that my introductory rate had ended and my minimum due was going up. I accepted the situation and paid early and a little more than required. My balance went down by {$27.00} after interest and my next month 's statement with no new charges and the same 16.49 % for standard purchases an 26.49 % on cash advances went up by {$34.00}. 
When I spoke to 1st member of management I was told I had not paid my first two payments and that I paid the wrong amount because I paid what showed on my statement and more before it was due. I was told I did not make the correct amounts, though I had statements showing what was due and having paid more each month. 
The 2nd member of management advised that I had paid correctly all along but that with my balance going down and being charged the same interest rates my minimum payments would again increase by 62 % over the previous months interest. 

XX/XX/XXXX statement showed {$110.00} minimum due on {$5400.00}. I was charged {$57.00} in interest ( 16.49 % x {$4100.00} and 26.49 % x {$1200.00}. ) 29 day billing cycle. ( {$1.00} a day in interest ) No new charges added.

XX/XX/XXXX statement showed {$140.00} minimum due on {$5300.00}. I was charged {$92.00} in interest ( 16.49 % x {$4100.00} and 26.49 % x {$1200.00}. ) 33 day billing cycle. ( {$2.00} a day in interest ) No new charges added I was advised that if I paid more than the minimum due and paid before due date that my next payment would go up by over {$40.00}. When asked for clarification I was told I just don't understand cards and I could not begin to understand the interest. I asked if the amount owed was less and the interest rate the same how my payments could be going up every month when there were no new purchases according to their statements. I was told you just don't understand and you need to take us on our word because we are the credit card company. 

This is on a XXXX XXXX XXXX Card by Citi.
Product: Checking or savings account

Earlier, I submitted a complaint ( XXXX XXXXXXXX ) and with your help Citi sent me a check for {$240000.00}. This is the amount that was in my account as of XX/XX/year>. They sent me a check on XX/XX/XXXX that did not include the interest between XX/XX/XXXX and XX/XX/XXXX. This account paid interest at a rate of 5 %. Can you help me get this interest payment from Citi? Thanks.
Product: Consumer Loan

I have a loan with Delbert Services/ XXXX which I pay every month on time my complaint is that they are aware of my pay dates yet they call my cell phone XXXX times a day starting the XXXX of the month. I have asked them to not call me until after the XXXX which is my payday. They say the only way they will do that is if I set up automatic withdraws which I do not wish to do. All I asked was for them to not call XXXX times per day, they also do not leave any messages when they call.
Product: Checking or savings account

Wells Fargo o pen up a fraudulent account without my notice ... .Allowing multiple fraudulent transaction on my account from  XXXX   XXXX   XXXX , withdraws and more to be explaine d Wells Fargo than refuse to investigate fraudulent activity and tampering with investigate threatening to close my account due to retailation of my complaintss
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused financial hardships & stress on me because, I feel like some of my personal information may have fallen into the wrong hands based on the XXXX data breach I found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, XXXX didnt make sure it was reporting 100 % correct. I reached out to them and nothing was done. In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Bank account or service

I am a victim of Regions Bank and their fraudulent NSF Overdraft Protection scandal. I see that they already have been ordered to start refunding customers their money back and they were told to do so regarding a Class Action Lawsuit, I thought I had signed up to be part of this Lawsuit against REGION BAnk of Alabama, I live in XXXX Alabama. I also file against XXXX XXXX for doing the same thing. They hold my transactions of my electronic XXXX direct Deposit monies, and I am thinking, because it shows that my money is in my account, but in online statements it says Pending???? then it shows all of my bill paying transactions as pending. So they proceed to charge me NSF of XXXX dollars times XXXX, for every for every transaction I make, then they release my deposit into my account but take XXXX dollars was last months XXXX check and they are in process of taking XXXX or more even as I am typing this for this month XXXX check they have taken over XXXX out of my account using overdraft protection, and not paying the transaction that I have made. and now have got me in sucha finacial hole that I can not get my XXXX or the rest of my medications and/or pay my rent and I am about to lose my home because I do n't have the money now to pay rent again. XXXX XXXX took over XXXX from me doing the same thing. and I am sitting here scratching my head trying to figure out how they are getting away with this. I met with them and they gave me back like XXXX one time, when I went to the Bank and ask them what was happening so they know they are in the wrong in what they are doing, but XXXX is far from the amount of money they have stolen from me since 2010. I want all of my money back, I want any negative reporting of my credit record of myself and my XXXX child, that they themself connected to my account. MY daughter, a XXXX, just tried to open an account of her own and we found that they refused at another bank to give to her a checking and savings account for bad banking practices and too many NSF and outstanding checks. And she is a minor and has nothing to do with what I do at my bank. they just added her as Student Checking account, when I ask them to only put her as my beneficiary on the account with signing powers in case I die she can get my money. 
My Name is XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX My XXXX child is : XXXX XXXX XXXX XXXX. Please have them return my money immediatly, clear our credit reports, and Pay outstanding DEbit Credit and checking transactions by paying them with my money they took from me. Thank you, My life depends on the Medications that I can not get filled, because they took my money. I am XXXX, and I plan to file a complaint against them to the " XX/XX/XXXX Act ''. Need them to please hurry so i can pay my rent and not get evicted from my home. Sincerely, XXXX XXXX XXXX.
Product: Checking or savings account

What happened is I did a stop payment on a company and they still allowed the company to come back in my account which in return calls me or overdraft fee and when I call they would not return the fee but they say they will return the item because of the stop payment and I feel that it's not right for me to have to pay a {$36.00} overdraft fee because I've already paid for a stop payment.
Product: Debt collection

I was noticing by paychecks from work were not right..Come to find out I was being garnished XXXX an hour. of my check by Atlas Collections ACI out of New Castle Indiana for medical bills that occured when I was XXXXXXXX  and was almost stomped to death by XXXX XXXX.This happened in XXXX..I never went to court or was able to dispute this debt and they just started taking {$210.00} a week I make a little over {$17.00} an hour..I am almost forced to quit my job after turning my life around..A Judge out of XXXX XXXX XXXX XXXX XXXX signed document allowing this..Something is not right and this debt should be out of date if not unlawful..Please help me, I dont wan na quit my job, I just turned my life around recently and dont wan na throw it away
Product: Credit reporting or other personal consumer reports

I cancelled in XXXX because XXXX XXXX  couldnt install the ground mount, solar panels and back up battery system we agreed upon ( about XXXX ). XXXX said no fees would be needed since they had stopped working on my project months before that. XXXX needs to remove this from my credit, or reach out to freedom and confirm with them since they are not being helpful. XXXX website shows a repeated pattern of fraud on peoples credit and this is not a trustworthy company I would like to do business with.
Product: Mortgage

I refinanced my home with Loan Depot utilizing a VA loan process in XX/XX/2020 with first payment due XX/XX/XXXX. XX/XX/2020 an electronic transfer of {$2000.00} was made from my account at XXXX XXXX   to Loan Depot and was posted by Loan Depot on XX/XX/XXXX. My bank transaction history shows that XXXX another payment of {$2000.00} was sent to Loan Depot. Transaction history at XXXX XXXX  shows that on XXXX another payment of {$2000.00} was sent to Loan Depot. Transaction history at XXXX XXXX  shows that on XXXX another payment of {$2000.00} was sent to Loan Depot. Transaction history at XXXX XXXX   shows that on XXXX another payment of {$2000.00} was sent to Loan Depot. All of my mortgage payments have been made to Loan Depot and on time. 

Loan Depot claims they did not receive my XXXX and XXXX payments and therefore began sending numerous forms of notices indicating that I am in default of the terms of my mortgage and they are attempting to collect a debt. I receive regular telephone calls reminding me that I am in default and they send out property inspectors who sit and photograph me and my home. They have ruined my credit and I am deluged with as many as 3 different notices of default in the mail on any given day. They also charge my account with all of these additional fees. 

I have made numerous telephone calls to Loan Depot only to be told I'm in default of my loan. They have recordings of my phone calls in their database. My persistence ( once after 46 minutes on hold ) has on occasion gotten me to individuals who will take the time and initiative to look deeper into my Loan Depot account and discover that yes indeed my payments have been received but " have been misapplied '' ( XXXX @ XXXX hrs. Mr. XXXX # XXXX ). Ms. XXXX # XXXX on XXXX @ XXXX hrs. also found the same problem and filed " another '' internal request for review. She also stated " this should be resolved by XXXX ''. On XXXX I received a notice that Corporate Research Department had my account under review. On XXXX I called to check on progress and I was advised they had none of my bank transaction history previously faxed by my bank manager and had no knowledge of a " Corporate Research Department ''. My bank manager had initiated contact with Loan Depot earlier by filing a form authorizing him to act on my behalf. He had been in discussion with XXXX XXXX in Customer Service but is still being told as of XXXX " This is still being researched, I do not have an update as of now ''. 

As the Loan Depot letters have advised, I reached out to HUD and they attempted to assist but then indicated I may have more luck with VA. My  case was assigned to XXXX XXXX at the VA , XXXX ext. XXXX and he has also been in the loop of discussion with Loan Depot for several weeks. 

I have been advised the only possible way that I may get this resolved is to contact CFPB or a letter writing campaign to many possibly powerful individuals and media. 

Someone needs to impress upon Loan Depot not to keep pushing this under the rug. " THEY HAVE MY MONEY '' and they know it and have acknowledged it.
Product: Credit card or prepaid card

I have asked Discover Card, repeatedly, to stop marketing to me. I have told them I don't want their " convenience checks '' in the mail, and I have asked them to stop sending me their " Discover Bank '' unsolicited loan " offers. '' I even went so far as to CLOSE my account with them recently. But, when I told them the main reason I was closing my account was to get them to stop harassing me with their unsolicited loan offers, they had the temerity to tell me that the loan offers come from " Discover Bank '' and wouldn't stop even if I closed my credit account. They said they would transfer me to them to " request '' they stop, but instead they dropped the issue and ignored me. I have had enough. I have asked them over and over again to stop marketing to me, and they ignore me. At this point I wouldn't take a FREE loan from them. It seems like they are sending their obnoxious loan offers out of malice at this point, than anything else, as they can not possibly think I would do business with them now.