23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX/XXXX/XXXX I received the very first call regarding this matter from XXXX Billing Department described as a " courtesy call '' at approximately XXXX XXXX. I was told I had a bill of approximately {$90.00} dollars. I was shocked at the time of call and because I was asked for verifying information, i.e, my address, I did not feel comfortable disclosing personal information as I thought it might be a fraudulent call. I called the number back after the new year to confirm it was indeed XXXX and left a detailed message explaining what had happened and asked for a return call. Thereafter, I had several conversations with XXXX, continued to receive calls late at night, and returned every call made to me. I pointed out the inappropriate hour, indicated that these calls were bordering on harassment, repeatedly asked for the bill to be mailed to me, confirmed my address twice, and to this date have never received a direct bill from XXXX. Instead, I received a communication from a collection agency, Credit Control Corporation ( see attachment XXXX ). On XXXX/XXXX/XXXX I spoke with XXXX XXXX at Credit Control Corporation ( CCC ), explained what I have just written above, and asked again to receive a bill. I received the bill from CCC ( see attachment XXXX ), spoke with XXXX XXXX and have paid this bill today, XXXX/XXXX/XXXX. However, it is the first time I see a bill in this amount. After reviewing my scanned healthcare bills from XXXX, I located an original bill for the XXXX XXXX ( see attachment XXXX ), which is what this current matter appears to be referencing. However, I notice the amounts are significantly different. The original bill received was for a total of {$310.00} and my corresponding co-pay was {$18.00}, which was paid. I received a duplicate bill and replied to XXXX indicating as much and provided proof of payment ( see attachment XXXX ). ( Note : This is not the first duplicate bill I receive from XXXX, which in my opinion is indicative of aggressive practices. ) The service date on the original bill and that received from collections is the same ; XXXX/XXXX/XXXX and the reference number for the XXXX is XXXX. The amount on the bill received from XXXX is {$2500.00} for the reference number XXXX ( note the last XXXX digits are identical ). My co-pay was {$99.00} and because I paid via credit card today ( XXXX/XXXX/XXXX ) via CCC I was charged an additional {$7.00} by CCC as a credit card convenience fee. 

Therefore, it appears that there is discrepancy in billing and possibly a duplicate, highly inflated bill for an XXXX that was already billed and paid. If this evidence confirms this action, I am asking that my co-pay of {$99.00} be returned as well as the {$7.00} credit card convenience fee for a total of {$100.00}. My insurance should also be reimbursed the {$2400.00} it paid. 

In addition, XXXX 's practice of calling at XXXX XXXX. needs to be restricted to regular business hours and it is exceedingly poor business practice to not send clients their bills and proceed to collections. XXXX must assume responsibility, provide a written letter of apology, and correct this error.
Product: Mortgage

My name is XXXX XXXX. On the mortgage I am still listed with the last name XXXX. I have a XXXX XXXX mortgage that is taken care of by U.S. Bank. It is loan # XXXX and I call phone # XXXX which is their mortgage department to get information about this mortgage when I am checking on it. The property address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX My husband, XXXX XXXX, and I purchased this home in XXXX. We are now divorced and it was finalized in XX/XX/XXXX. According to our settlement, he is responsible for the mortgage because he resides in the house that is collateral. I did NOT sign a Quit Claim Deed because I am still on the mortgage debt. We are currently in a chapter XXXX bankruptcy and he was planning to refinance at the end of the bankruptcy which does not take place until XXXX of XXXX. 

I have several issues of my complaint and have called U.S. Bank many times regarding my concerns. 

1 ) My ex-husband took advantage of a Covid hardship that placed the loan in forbearance. In XXXX or XXXX of XXXX he placed the loan in the hardship for 6 months. At the end of the 6 months he extended for another 6. Neither times U.S. Bank asked for documents proving he was going through a hardship. Nor was there any documentation of the forbearance. I was not notified by the bank or my ex husband of the forbearance. I did not find out until many months later in XXXX of XXXX. By this time the deferment was already extended. He did not pay taxes, interest nor insurance and the accumulated amount is over {$11000.00}. He wants to add this to the balance of the loan. I have not lived in this house for 2+ years. I fear he will not be able to refinance because of this. 
Consistently with every call I made to U.S. Bank since XXXX, I have been consistently told there was no documentation of the forbearance nor did there need to be any proof of Covid hardship. 

2 ) The mortgage company wants me to sign documents to add the accumulated amount to the back of the loan. But they have not provided me a copy of it. I called XX/XX/XXXX or XXXX requesting them to send me the documents of the deferred plan. I spoke with a woman named XXXX and she said she could not send them to me. She said they were already sent to XXXX and our bankruptcy lawyer and I would have to reach out to one of them. After reaching out to our bankruptcy attorney, they said they never received any documents and my ex-husband will not send them to me because he knows I am upset about this. 
I did contact U.S. Bank on XX/XX/XXXX to explain to them that I still have not been able to review the documents. I spoke to a gentleman named XXXX and he said he could send them to my email and I should receive it by the end of the day. It is now XX/XX/XXXX and I still have not received them. 

3 ) This extension that was granted but I did not approve will no doubt cause me financial harm regardless if I sign the documentation or don't. Either I sign the modification and add this money to the loan OR I don't and the house will go into foreclosure and affect my finances and credit history.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items.

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have called several times to get on a RPP. I advised them I was not able to afford to make a RPP with late fees and other fees. I advised them if they could remove the fees from the RPP. They refused too remove the fees. I been trying to make monthly payments on the acct. After they not approving an affordable RPP my account has not gone into FCL and will not accept a pmt. They are requesting for me to RI, I advised them I don't have 6 pmts plus fees at this time. I need to see if they can take 4 payments to take me out of FCL and he said no. I can only RI account. I need the Investor information and the Attorney contact number because I am not going to lose my home. I don't have anywhere to live and I can afford my payments every month. its just hard to bring acct current.
Product: Credit reporting

This is an update to a previous case filed with the CFPB, ( ( Case number : XXXX ) ). I previously disputed multiple collections on the aforementioned case and have since spoken with both XXXX and the original creditor XXXX XXXX XXXX XXXX. I am attaching proof from XXXX XXXX XXXX XXXX that these accounts were opened in a fraudulent manner and have subsequently been removed from my name for all financial responsibility herein. Please update your records accordingly and feel free to reach out to me with any additional questions or concerns you might have in order to help expedite this process. I can be reached at ( XXXX ) XXXX. 

XXXX XXXX Acct : XXXX Amount : {$6500.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

2 new derogatory accts by debt collectors on my credit report. I have no knowledge of the debt .... could not get anyone to prove this is not a scam. Got no response to prove original creditor and contact only to debt collectors. XXXX XXXX Tx. Is well known to the XXXX XXXX XXXX and listed D+ rating due to scams and consumer complaints. XXXX XXXX is another one same story. I am trying to purchase a home and my credit rating has now dropped 100 points ... .. The dispute process with TRANSUNION IS SO DIFFICULT, I feel helpless to deal with this issue and get it off my credit.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

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

On XX/XX/2023 I mailed a certified letter to Equifax disputing 3 bankruptcies clearly explaining inaccurate information to all 3 accounts. I asked them delete those accounts immediately. They replied they investigated, which is not true since all of there information is completely different than other credit agencies. So On XX/XX/XXXX I followed up with certified dispute and again the continue to ignore my demands. 

I followed up with the bankruptcy Clerk of Courts asking if they report to credit agencies. I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 card or prepaid card

On XX/XX/XXXX I was sold 2 XXXX party XXXX XXXX tickets for {$4000.00} by XXXX of XXXX XXXX. He originally called me regarding my inquiries into the XXXX XXXX and continued to bait and switch me to the XXXX XXXX. This party was NOT as advertised. I was guaranteed a XXXX XXXX view from my seat which did not happen. I have attached a photo to prove. Notice the yellow circle on the photo across from the seated couple. These were our seats which faced a WALL if you turned to look out the window. The food offerings were not as advertised and of poor quality, the premium bar was not premium and half of the 52nd floor was to be turned into a dance floor/party room. I have photos of the 12x12 parquet floor dance area. This was the worst experience and we only stayed 1.5 hours of a 5 hr party that we paid an exorbitant amount of money for. XXXX XXXX reviews are all terrible on line but unfortunately we found them after the event. We searched XXXX parties instead of XXXX. I have copies of all of the reviews citing fraud and misrepresentation as well. I have disputed the charge on my Chase Visa debit card and Chase Bank is not insuring this purchase that was sold to me with false advertising and misrepresentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reveiwing my credit report, I found numerous credit cards on my report that were not authorized or initiated by me. This was an error or a result of malpractice. I have listed these items in my FTC Report.
Product: Mortgage

My income was cut in half, so I was struggling to make my mortgage payment. I contacted CitiMortgage and started the process to get a modification so my payment would be lower. I complied with everything they asked in a very timely manner, although the paperwork was very oppressive and time consuming. I was told XX/XX/XXXX, that the modification was approved and all I needed to do was keep making the modified payments. Three months later, they sent a letter accusing me of not making payments and threatening me with default. I have been fighting them ever since. I have made countless trips to my bank to get copies of cancelled checks to CitiMortgage, to prove over and over that I have made payments that they accuse me of not making. Although I have complied with them on every ridiculous request, they have cancelled my modification and they are demanding over {$3000.00} by XX/XX/XXXX or they will start foreclosure proceedings. They say I can reapply for a modification, but I fear going through the same thing over again. The stress of fearing losing my home is horrible. From the date of purchase until now, I have never even been late on a payment, and my bank records prove that.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan servicer is XXXX XXXX XXXX Services. They have reported that my account is in deferment, which is because all federal loans are due to the pandemic. This has caused my credit score to drop to the point that I can not purchase a home anytime soon. I was told that deferment does not impact your credit score.
Product: Credit reporting or other personal consumer reports

I am filing this complaint with the CFPB against Equifax for violating my rights under the Fair Credit Reporting Act ( FCRA ). Equifax is reporting inaccurate information on my credit file without my authorization, which has severely impacted my financial stability. I recently obtained a copy of my credit report and discovered unauthorized and inaccurate accounts that must be immediately deleted : XXXXXXXX XXXX ( Account Number : XXXX ) and XXXX ( Account Number : XXXX ). Equifax has violated 15 U.S.C. 1681b ( 2 ) Permissible Purposes of Consumer Reports, which explicitly states that a consumer report can only be furnished in accordance with the written instructions of the consumer to whom it relates. I never provided Equifax with written authorization or consent to report these accounts. Additionally, Equifax has failed to uphold 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy, which requires consumer reporting agencies to ensure the highest level of accuracy. The information reported about these accounts is inconsistent with other credit bureaus, raising concerns about their validity. Beyond violating federal law, Equifaxs actions have caused severe emotional and financial harm. Due to this inaccurate reporting, I have been unable to secure a mortgage, leaving my family in an unstable housing situation. This situation is devastating, and I am seeking immediate intervention from the CFPB to hold Equifax accountable. Furthermore, Equifaxs reckless reporting has resulted in alleged identity theft and defamation of character, causing unnecessary hardship. Their failure to comply with federal regulations demonstrates willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, making them liable for damages of up to {$1000.00} per violation. I am demanding that Equifax immediately delete this inaccurate account from my credit report. I also request that Equifax send me a written confirmation within 14 days stating that the account has been deleted and provide me with an updated copy of my credit report. I urge the CFPB to step in and ensure that Equifax is held responsible for these violations. No consumer should have to suffer due to Equifaxs negligence. I appreciate your assistance in resolving this matter and ensuring my consumer rights are protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

If tried many of time to dispute accounts thats not mine and address that dont belong to me and cant get them removed because of consumers law
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$740.00} ; XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} ; XXXXXXXX XXXX XXXXXXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$300.00} ; XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$680.00} ; XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$470.00} ; XXXX, T ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Bank account or service

I have been a WF customer for over 10 years and all of my issues have always been how transactions are processed. In my most recent incident I was told by a merchant that they needed a card on file but would n't charge my card since I did n't want to pay with that card. However they charged my card anyway causing my account to be out of whack for the 3+ weeks, not to mention a mishap with an incoming direct deposit I had setup. WF after I called and explained repeatedly let merchants attempt to withdraw money that I did n't have out of my account. Which left me with XXXX in overdraft fees.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. NovXXXX 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.