23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I filed for bankruptcy about XXXX years ago and since my loan was taken over be Green Tree Services. Up until XXXX 2015 I have never missed a payment my job had ended and I was able to get a job in another state so I could not pay my payment for XXXX. I called and tried to ask if I could use my bankrupcy protection but all I got was I need to make my payment now. I talked to a realtor and we agreed she should try and sell the house she listed it on XXXX XXXX th 2015. We moved on the XXXX XXXX they keep calling to get payments as we were about to be late. I told the person I was not late and the house was on the market he wanted payment now. We had a full price offer on the house in XXXX so I called and told them the house was sold. My realtor calls me a XXXX days later and said that the mortgage company had changed the locks. I called and they said that I had abandoned the property? How did I abandon when I am still paying the electric and water on the property. We found that they had disconnected our meter in the basement for the water I had already turned it of and winterized the house. I called them and said again the house was sold once again they wanted payment told them they will get paid when the house closes on XXXX XXXX th. Keep calling wanting payment and threatening foreclosure if I do n't pay them. I am sick of them that do is want money and call constantly HELP.
Product: Debt collection

I was contacted by XXXX XXXX regarding an alleged debt owed to XXXX XXXX from XX/XX/2012. Convergent is the sixth collection agency to attempt to collect the debt. The debt is not mine and all other collection agencies, in addition to the original creditor, have been informed that the debt is not mine. 

I sent a debt validation letter to Convergent requesting proof that the debt was mine. They sent me a letter stating that the debt was valid along with a bill from the account on which the debt is owed. The account was not mine and, again, the debt associated with the account is not mine. 

I called Convergent on the phone and let them know that what they sent me was no verification at all of a debt owed. They informed me that they would send documentation with my signature proving that the debt was owed. This was weeks ago. Convergent, through inaction, has refused to appropriately validate the debt. 

Additionally, it should be noted that the alleged debt first became past due in XX/XX/2012.  According to Florida law, the debt is time barred due to the statue of limitations.
Product: Vehicle loan or lease

This is to reference State Farm Bank also EMLVP, LLC as the loan originator for my RV trailer. I had called in XX/XX/2022, XX/XX/2022 and XX/XX/2022 to check on terms to Voluntarily Surrender my trailer. I was mailed via USPS a form and I diligently faxed it back after I had spoken with a rep from State Farm Bank for over an hour and a half making sure I was clear on the terms I received a Fax successful so I knew that it had been received. 
I called today to check status as a rep never called within the 10 days the form and rep said would happen today after seeing a 90 day late payment status on my consumer credit report I called State Farm Bank and was told, The image was distorted so they couldnt accept it. I replied, No one could call or follow up on this matter? Rep did apologize as I am sure it wasnt his direct fault. 
I had assumed since I gave instructions initially on address phone and all pertinent contact info that the RV had been picked up since it wasnt being used and in possession of my ex husband in XXXX. ( I have since relocated to XXXX  ) and no longer communicate with him. I stopped making payments as directed. 
I am frustrated with the lack of communication and honestly believe it is an unfair and unethical business practice. 
I want the negative payment status on my credit report removed as it shouldnt be reflected this way. 
Also, I am contemplating if I should seek legal council on this matter.
Product: Debt collection

On  XXXX   XXXX ,  2017  I wrote a dispute letter in regards to an {$890.00}  XXXX  co llections with Credence Resource Management LLC. The le tter was sent certified read-receipt, and was received on  XXXX   XXXX  according t o USPS.   <P/>   XXXX   XXXX   XXXX   XXXX    In  the letter, I requested very specific documentation proving that I owe this debt. I do not believe I owe this debt as I made a {$600.00} payment to  XXXX  around 5 years ago clearing the debt I had with them. I recently called  XXXX  and they told me they  have no information at all about this debt, and to deal with Credence Resource Management direct ly in regards to the issue.
Product: Credit card or prepaid card

On XX/XX/XXXX, I submitted a request to Military Star Card, to reduce my interest rate to no more than 6 %, per the Service Member Civil Relief Act ( SCRA ). On XX/XX/XXXX, Military Star Card, denied my request because they do not think it applies to me. 

On XX/XX/XXXX, I discussed this matter with my legal office/counsel, and they agreed with me. They instructed me to submit a request through CFPB for resolution. If not solved, my legal office/counsel will process this case to the Department of Justice. 

Per the SCRA, 50 U.S.C. App. 501-597b1 as attached, I am eligible for this request because my loan/credit card debt have originated prior to the current period of active military service. 

I got out of the XXXX XXXX on XX/XX/XXXX, and entered the XXXX XXXX on XX/XX/XXXX. The SCRA applies to me because there was a 12 days break in service. 

According to the SCRA, the term " period of military service '' means the period beginning on the date on which a servicemember enters military service and ending on the date on which the servicemember is released from military service or dies while in military service. As such, the XXXX XXXX ( XXXX ) service and XXXX XXXX ( XXXX ) service are two ( 2 ) seperate period of military services. 

Any debt prior to the period of military service ( XXXX ), must be reduced to 6 % and anything paid more than that, shall be credited back. Even though debts were incurred during the XXXX military service, it is still considered debts incurred prior to the current period of military service ( XXXX ). 

Please read the attached SCRA law for more details, and please be advised again, that my counsel ( XXXX XXXX XXXX XXXX XXXX XXXX ) agrees with this interpretation too. As stated, if not resolved, this case will be processed through the Department of Justice.
Product: Checking or savings account

From XX/XX/2020 through XX/XX/2020 Bank of America has continously allowed a vendor, XXXX XXXX, to make back to back ACH charges weekly on my account without authorization. Then BofA began charging not only overdraft fees but additional fees while clearly seeing this vendors continuous back to back withdrawals. Even after filing a claim for return of fees ( claim # XXXX XXXX and asking for a stop payment, two more transactions occurred and additional fees. While I have on occasion been able to overdraft my account via a cash withdrawal, immediately following my account was suspended from doing so but BofA could offer no explanation to the change which was reasonably adverse and retaliatory to my filing complaint about their handling of my account. Still no resolve, no return of fees and vendor still charging.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block the items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$300.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO WELLS FARGO BANK ON XX/XX/2020 SOMEONE ORDERED AN ITEM ON XXXX WITH MY CREDIT CARD AND HAD IT SUCCESSFULLY SHIPPED TO MY HOUSE VIA XXXX. XXXX CLAIMS THEY RECEIVED MY SIGNATURE UPON DELIVERY, BUT THEY SENT ME A COPY OF THE SIGNATURE AND IT DOES NOT MATCH MY SIGNATURE. WELLS FARGO BANK PROVIDED ME WITH THE EMAIL THAT WAS USED TO MAKE THE ORDER AND IT DOES TO BELONG TO ME. WELLS FARGO BANK HAS NOT BEEN ABLE TO RESOLVE THIS DISPUTE AND THEY WANT ME TO PAY FOR THE CHARGES OF {$5400.00}. WHICH I WILL NOT DO BECAUSE I DID NOT MAKE THE PURCHASE/AUTHORIZED THE PURCHASE. I NEVER RECEIVED THE ITEM AND DO NOT HAVE POSSESSION OF THE ITEM AND HAVE NEVER HAD POSSESSION OF THEY ITEM.
Product: Credit reporting or other personal consumer reports

Recently, upon reviewing my credit report, I identified several billing errors in violation of 15 U.S. Code 1666 ( b ) regarding billing errors, specifically : ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement. ( 5 ) A computational or accounting error made by the creditor on a statement. Additionally, I did not receive any notification or statement 21 days prior, as required, meaning no late payments should have been reported for these accounts. I am requesting hard, verifiable proof from the creditors bank records showing that I failed to make the payments that were marked as late, as this appears to be a clear billing error. As a consumer, I have legal rights under the law, and these accounts must be updated or removed immediately. Failure to do so will result in my seeking monetary damages for the violation of my rights under XXXX5 USC 1681n ( civil liability ).
Product: Vehicle loan or lease

1.I have never had an account with this company COLONIAL AUTO FINANCE XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COLONIAL AUTO the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting or other personal consumer reports

I recently discovered that I have been a victim of identity theft. Unauthorized accounts have been opened in my name, and fraudulent transactions have been made without my knowledge or consent. Specifically : Date of Incident ( s ) XXXX Details of Fraudulent Activity : credit card accounts for a total of {$1000.00} Company Involved : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Actions Taken : I have already [ filed a police report, contacted the companies involved, placed a fraud alert on my credit report ]. Impact : This has negatively affected my credit score and caused significant stress and inconvenience. I am requesting the CFPB to ensure that the companies involved address this matter appropriately, including closing fraudulent accounts, correcting any credit reporting errors, and improving their security measures to prevent future identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report for experian to delete all inaccurate information on my credit report asap. please review an delete all incorrect data listed to help my file.
Product: Credit reporting or other personal consumer reports

I have been a victim of an identity theft, and for many years I have tried to dispute the fraudulent accounts and I have checked with fair trade commission the negative accounts should be removed after 7 years of becoming negative. These accounts are reporting for over 7 years and plus. Again not only these are fraudulent accounts they are also very old accounts.
Product: Credit reporting

XXXX employees caused a dent into my car while parked with their crate cart and paid to get it repaired through their insurance company. They are now reporting it under my accidents and causing a huge difference in my premiums. This accident should have been reported under collision and it is affecting my insurance premiums for the past 2 years.
Product: Credit reporting or other personal consumer reports

in accordance with the fair reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentialty under 15 U.S.C 1681 Account name : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have 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 can make no consumer report containing any of the following items of information Any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( A ) ( 1 ) A A person shall not furnish any information relating to a consumer to any consumer reporting agency if the persons knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated over a period of one year with the credit reporting company that : The DEBTS shown are not mine and submitted the COURT DOCUMENTS indicating that the DEBT is not mine and they still have not removed the items.

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, Account name : # 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 an 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: Debt collection

THIS COLLOTOR IS KEEP REPEATING SAME COLLETION OVER AGAIN. 
WE DISPUTED IT BEFORE AND TAKEN AWAY. WEHT TO THE STORE LOCATION AND CLEARED ALL PAYMENT, WE NEED YOUR HELP TO COMPLETELY REMOVED
Product: Money transfers

I was contacted by XXXX XXXX XXXX license # XXXX he said he was a lawyer representing XXXX XXXX in XXXX, XXXX XXXX and stated that my cel # was chosen as a XXXX place winner for a promo for the new dealership. I did not provide personal info, except for what he already had which was my full name and cel #, I did give them my address because he said they would deliver my prize personally. He then said that in order to complete the process they needed XXXX for license, insurance, etc via money gram. He said when I receive the car I was to give him the Money Gram receipt that contained the reference # so the money could be claimed ; when I filled out the Money Gram it was sent to a woman named XXXX XXXX in XXXX, RI whom he said was the promoter for the dealership. According to Money Gram 's website when a person picks up money sent to them, they are to provide a valid ID and the reference #. I never provided anyone with a reference #. So, an hour after realizing this was all a sham I went back to the Money Gram store where I made the transaction to request a refund, but the money was already claimed. The woman at the counter told me that not all Money Gram stores are alike, some do n't need the reference # in order to pick up money, they only need the name, tel # and $ $ to claim it. So, I contacted Money Gram I made a complaint and the only info they could provide me was with the city and state where it was claimed and that I had to file a claim at my local police station and that they will provide the police with all the information requested. I need help in stopping this sort of thing happening to someone else and have all Money Gram stores change their policies to have everyone picking up money to provide a reference # in addition to a valid ID like a license or passport. Thanks in advance for info or help provided.
Product: Credit card

XX/XX/year> - I called US Bank. Asked why I am no longer receiving monthly email notifications stating that my Cash Back Signature credit card statement and bill is available to view online. Spoke with : XXXX, XXXX and XXXX and got no answer as to why. XXXX sent a request internally for someone to resend an email notification - I received the manually generated email, but without calling US Bank, I would not have received the bill notification. 

In addition, I have another US Bank credit card which is a XXXX XXXX card. Until XX/XX/year>, I received a separate email statement and bill notification for each credit card for years with no issues. Now, all of a sudden I am not receiving the email notification for only the Cash Back Signature credit card, I confirmed the correct email address is stated on my online account. 

XX/XX/year> called US Bank again about this same issue. Received no assistance from : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. It seems to be impossible to get assistance. I should not have to change my email address to " test '' US Bank 's system. 

I am only receiving manually generated email notifications for my Cash Back Signature card. I am not receiving an automatically generated email notification. If a manually generated email can be received by me, then why is the automated email not received? 

As stated above, I received email notifications for both of my US Bank credit cards on the same day and at the same time of day, so what has changed since XX/XX/year> so that now I only receive an email for one credit card and not the other. 

I rely on these email notifications to ensure that I download, print and mail my payment on time as required by US Bank.
Product: Money transfer, virtual currency, or money service

XXXX XXXX I tried to transfer fnds from Coinbase vault to my personal vault and since then the transaction is waiting for approval. I have also been restricted from buying. I asked for support help on XXXX, XXXX, and the coinbase site and only got a XXXX reply from XXXX stating that they would look into it. I have sent XXXX messages to the support team and have had no reply for over 14 days. At this time I am still unable to access my account. Coinbase support is notoriuosly awful in response to thier customers is a fact I have discovered from trying to get help.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, Ive been unable to get my credit report or score from Equifax and XXXX. 

Ive called and Ive emails. To include. Ive even submitted my drivers license to the specified website that they requested me to upload it on several times. 

After several phone calls to them, I am still unable to have this issue resolved as we move into XXXX I am requesting immediate attention be given to this, as it is preventing me from doing things related to my credit.
Product: Credit card or prepaid card

In XXXX - XXXX of XXXX  Barclays US did not send me my bill or statement. While I was left in the dark I missed 2 monthly payments and was 60 days late. This was not my fault as the company did nothing to contact me about a payment being due or even after I was late. 

I contacted Barclays US about this issue and they would not admit fault and would not take the late payment mark off my record.
Product: Mortgage

We made a principal only payment in XXXX which was returned. We called to complain about that ( as well as other complaints ) on XX/XX/XXXX. At that time we made a principal payment with the XXXX. It was never processed. There is a recorded conversation which Ameriahome needs to review and then process our payment, retroactively, back to the day we called. I am unable to get a supervisor to return our call and am scared to make another payment online with them. We have also asked twice for a bi-weekly program and they were to send the info to us. Turns our their reps do not know the difference between bi-weekly and budget pay.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.