23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My HELOC account was paid off on XX/XX/XXXX. My late spouse and I were on the loan together, so I provided them with a death certificate and all other info they requested. They still issued a refund check in his name. I contacted them to have them reissue the check in my name only and was assured they had everything they needed and if the check was in his name again ( they couldnt tell ) that a new *third* check would be expedited. I spoke with a supervisor named XXXX. 

I received the reissued check, again in his name. I called again on XX/XX/XXXX and spoke with a rep who saw XXXX notes and requested a reissued check for the third time and told me it would be expedited and I should receive it in 3-5 days. I called today, XX/XX/XXXX, as Ive still not received a corrected check. A supervisor named XXXX rudely proceeded to tell me the check hadnt even been reissued yet and that he couldnt expedite it, that they did not do that, despite what XXXX and the other rep told me. He was very patronizing, refused to go by the notes in the system that XXXX left, and would only tell me hed have XXXX call me back. 

Ive provided Huntington with all the documentation they required to issue my escrow refund in my name, yet here we are 30+ days since the account was paid off and they have yet to issue me a cashable check, instead, continuing to issue me checks in the name of my deceased spouse. And this last person was extremely rude about it to boot. 

I want Huntington to provide me the escrow refund they owe me in a check that I can cash - in my name, not my late spouses name - immediately.
Product: Debt collection

They have inaccurate information on a debit collection it shows a past due amount and from my understanding that's a violation it shows a past due amount of {$2000.00} XXXX XXXX XXXX
Product: Credit card or prepaid card

I am using XXXX XXXX credit card since 2 month but I could not see my credit card in the credit history scores. This card is not visible and it is not help my credit score..
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information on my credit report. I have reviewed my credit report and found an error that I would like to be corrected. 
These items are inaccurate because I have already rectified the inaccuracies in these accounts from their records due to identified errors. I am requesting that the items be investigated and corrected to reflect accurate information. 

Items in Dispute : XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I called TransUnion at XXXX to place a 90 day fraud alert on my file. In doing so, they tried to get me to sign up for some sort of credit monitoring service, to which I declined. After I specifically asked not to receive their service, I was forced to once again listen to a sales pitch for the exact same service, only this time it was longer, before being allowed to place a fraud alert..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I went to lease a car to XXXX XXXX  XXXX XXXX VA. They checked my credit report on XXXX  credit bureau. According to XXXX, I have no credit profile.

On the other hand, I have three credit cards of Capital one, XXXX  and XXXX XXXX. Three of these companies have my credit profile and I have a good credit score near more or less than 700. I talked to Capital One and they told me that they report my credit profile to all three credit bureaus including XXXX and XXXX. Capital one customer service agent told me that they are legally confined to send my information to all three bureaus.

Then I talked to XXXX and they told me that they have my credit profile as capital one, XXXX XXXX and XXXX is reporting them my profile on monthly basis. Contrary to this, XXXX told me that they do not have my credit profile and any of these three companies including capital one, XXXX XXXX and XXXX is not reporting to them my credit profile and I have to talk to my bank capital one about that. When I talked my bank, they said that they are reporting to them and thay can not help me further in this matter.
Product: Checking or savings account

I've been attempting to resolve issue of missing payments in amounts of {$5100.00} as well as {$690.00} for several weeks, an affidavit was mailed in to Wells Fargo Remediation Dept several weeks ago, still shows pending with no information. From what I understand, Wells Fargo is attempting to recover funds before honoring their commitment to myself for these payments... These payments were offered to me by reps XXXX XXXX and XXXX XXXX via Wells Fargo XXXX XXXX. The payment amount, {$5100.00}, was offered to me over the phone in XXXX of XXXX, check intercepted and cashed by a third party which was investigated and supposedly reissued and never received.. The payment amount, {$690.00}, was offered to me by XXXX XXXX via phone mediation in XXXX of XXXX, never received.. The payments were sent to old address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CT XXXX after I moved which was in XXXX of XXXX. I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX, moved here in XXXX of XXXX. Wells Fargo reps reply to CFPB complaints by referring to checks as cashed in which case, not by myself. It appears a relative intercepted, cashed checks in my name, do not know for sure. Reps also refer back to prior replies which state the same, checks cashed and no mention of affidavit sent in XXXX which was located and sent in several weeks ago.. As the CFPB can see, Wells Fargo reps continually avoid addressing issues by referring to replies which do not address non-receipt of payments. Further, as explained in numerous prior CFPB complaints, payment amounts are inadequate, do not cover damages sustained due to Wells Fargo reps opening accounts I did not need or want. The last rep, XXXX XXXX, whom has replied in the past and gave same run-around response, again referred back to prior replies which state checks cashed ... As the CFPB can see, Wells Fargo XXXXeps repeatedly use run-around reply, avoid addressing issue of missing payments and inadequacy. Most recently, I've been calling Wells Fargo Executive Office as well as XXXX XXXX Bank, given case numbers which are not resolved, no reply in re and or attempted to refer to XXXX XXXX which has nothing to do with remediation program, another run-around. In closing, the CFPB might want to investigate Wells Fargo Remediation Program as well as their behavior in handling these complaints including detailed above. Wells Fargo reps claim they will not keep replying, in which case such replies are a mere run-around and complaints will be filed with other agencies, if not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts police report on file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I XXXX XXXX XXXX XXXX and the majority of my clients pay by credit card. This money goes into my account the next day - after XXXX. Between the hours of XXXX XXXX and XXXX, transactions for the day will be processed.

If the total number of transactions are greater than the balance that is in my account at XXXX XXXX, Chase will deduct the highest amounts first resulting in multiple overdraft fees. For example, at XXXX XXXX last night the balance in my account was {$340.00}. Between XXXX XXXX and XXXX 5 transactions were processed. The amounts were as follows : {$34.00} {$44.00} {$56.00} {$74.00} {$380.00} This totals {$590.00}. Chase deducted the {$380.00} amount first which overdrew the account. They paid all of these because history shows that with my merchant account deposits after XXXX, the money would be there literally in minutes. ( after these were processed my merchant deposit hit in the amount of {$1300.00} - plenty to cover the transactions ) Had they deducted the smaller amounts first, the only item that would have made the account go into the negative was the {$380.00}. But, because they have the right to deduct the money however they see fit this will cost me {$170.00}, not {$34.00}.

Just because they have the right to do something does n't make it the right thing to do! I have complained numerous times to Chase about this, and the local staff is sympathetic, but there is nothing they can do.

This policy - and ALL banks do it - is killing the XXXX XXXX XXXX.
Product: Debt collection

I have XXXX and XXXX my medical services are 100 % covered. The office should have filed my insurance correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attempting to place security freezes on my credit report with all reporting agencies. Although some make it much harder than it should be in the internet age, I was able to accomplish this task with all three of the majors as well as XXXX, XXXX, XXXX, XXXX and XXXX XXXX ( at least I was able to accomplish the request ). 

MicroBilt/PRC bounced me around through several points of contact before I found a document containing the following : Requests for a security freeze should be submitted via certified mail to MicroBilt / PRBC, Attn : Consumer Affairs Department, XXXX. XXXX   XXXX, XXXX, GA XXXX, and must include all of the following : a copy of a valid police or investigative report or complaint made under Section 32.51, Penal Code ; your full name including middle initial ( and generation such as JR, SR, II, III ) ; full current mailing address ; date of birth ( month/date/year ) ; previous addresses for the past two years, Social Security Number ; and a phone number where you can be contacted. Please be sure to include one copy of a government issued identification card, such as a drivers license, state ID card, military ID card, etc. ; and one copy of a recent utility bill, bank or insurance statement, etc. 

If this service is federally mandated to be free to anyone ( even if you haven't yet been the victim of identity theft ), how can " a copy of a valid police or investigative report or complaint made under Section 32.51, Penal Code '' be a requirement for the request?
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN WITH JP MORGAN CHASE SINCE XXXX AND HAVE ALWAYS PAID MY BALANCE OFF IN FULL EVERY MONTH AND HAVE A GOOD TRACK RECORD IN XXXX - XXXX. WHILE AT THE HOSPITAL, MY VEHICLE CONTAINING MY DRIVER LICENSE, SOCIAL SECURITY CARD, CREDIT AND DEBIT CARDS, BANK CHECK BOOKS AND W2 AND 1099 FORMS WAS AUCTIONED OFF FOR NON PAYMENT OF STORAGE FEES. WHOEVER RECEIVED THOSE ITEMS IN MY VEHICLE DID NOT SECURE THEM OR DESTROY THEM PROPERLY RESULTING IN CHARGES THAT WERE NOT MADE BY ME SHOWING UP ON MY CREDIT CARD STATEMENTS THAT I DO NOT RECEIVE AS IT IS MAILED TO XXXX XXXX XXXX XXXX, XXXX MI. I ALERTED XXXX XXXX, CHASE AND XXXX ABOUT UNAUTHORIZED USE OF MY CREDIT CARDS AND THEY SAID THERE IS NO NEED TO WORRY NOW THAT I REPORTED IT AS I AM LIABLE FOR AT MOST USD 50 IF THESE WERE FRAUDULENT CHARGES NOT MADE BY ME. THE REPRESENTATIVE SAID SHE WILL GO AHEAD AND ISSUE NEW CARDS BUT THESE MUST HAVE BEEN SENT TO XXXX XXXX XXXX XXXX XXXX XXXX MI AND NOT MY HOME ADDRESS. AS THESE CHARGES WERE NOT MADE BY ME, I HAVE NO LIABILITY FOR THESE CHARGES AND THE REPORTING OF THESE DELINQUENT CHARGES SHOULD BE REMOVED FROM MY CREDIT REPORT FORTHWITH.
Product: Credit card or prepaid card

Was offered a American Express ( Delta SkyMiles ) promotion that promised a bonus of XXXX miles when {$1000.00} was purchased on the card within the first 3 months. The conditions were met but the bonus has not yet been received and I being told it could take 2 or more billing cycles to remedy.
Product: Debt collection

PAID IN FULL -- -- in response to letter sent XX/XX/XXXX XXXX LVNV FUNDING LLC/Resurgent capital services XXXX XXXX XXXXs REPORTING INNACURATE and fraudulent information and not validated INORMATION and continues to since Before XX/XX/XXXX, to Present, the balance is incorrect on A LVNV FUNDING LLC/Resurgent capital services XXXX collections account # XXXX ( closed / XXXX Or XXXX closed and paid even with the ACCOUNTS and TRADELINES ARE CLOSED AND OR PAID IN FULL. XXXX is reporting Inaccurate and fraudulent information as these accounts has been and is closed since XXXX and is PAID IN FULL. balances and all information are inaccurate as they are not factual Reporting LVNV FUNDING LLC/Resurgent capital services XXXX and all companies are negligent compliance by reporting this information as accurate when in fact, they are not XXXX XXXX has reported over several times as accurate when clearly, they are not. LVNV FUNDING LLC/Resurgent capital services and XXXX are violating My consumer rights and FCRA laws . LVNV FUNDING LLC/Resurgent capital services is I believe retaliating with unethical practices by providing intentionally inaccurate information as Resurgent capital services LVNV violated federal and state laws by garnishing funds that were exempt and continues to report inaccurate data to XXXX. This is one of several accounts of false information and reporting inaccurate information and Credit data. FUNDS were RECEIVED XX/XX/XXXX Filings Title : LVNV FUNDING VS XXXX XXXX Case : XXXX XXXX ( XXXX ). Any LVNV FUNDING LLC accounts and data must be DELETED from XXXX and XXXX due to violations of the FCRA and LVNV Funding LLC Be fined {$1000.00} to {$10000.00} per FCRA Violation.
Product: Debt collection

I callled Wakefield after of countless times of trying to dispute off my credit file. I asked for the original purchase contract or signed documents they said they didnt have the information so how can they report to XXXX XXXX and XXXX as accurate & verified when they dont have that information.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX an account opened in my name under XXXX ( which this business seems not exist ). Account number : XXXX i dont have the last XXXX of the account # and when i try to call XXXX for details i give them my social and they tell me no account is associated with that social. So after hearing that ; I disputed it with Equifax during the week of XX/XX/XXXX this was my second time requesting Equifax to remove the account from my report and they took less than a week to conduct an " investigation '' and have concluded that the results of said investigation i should not have access to. as stated previously I was XXXX XXXX  when the account was open and more specifically to the XXXX XXXX XXXX XXXX. I'm trying to purchase a home and the fact that XXXX has an account open in my name and the credit bureau are reporting it as a negative mark but neither one can tell me anything about the account even though I own it. The account currently owes XXXX XXXX and is being reported as closed but as stated earlier is still be marked with a negative connotation. On XX/XX/XXXX is spoke with XXXX from Equifax customer service XXXX XXXX XXXX XXXX  who said the investigation was concluded and that I never sent any paperwork in which I had and the documents i sent are attached in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, 2017 RE : CFPB Complaint ID # XXXX XXXX, Equifax XXXX and XXXX XXXX Thank you for your response. You acknowledge your irresponsibility in communicating false manufactured facts on my XXXX XXXX, 2017 credit report that resulted in a rental denial and significant increases in my annual auto insurance premiums. You obstructed resolution and stubbornly procrastinated months to communicate with truth. I expect immediate reimbursement for these economic losses. Going forward I expect before you again place any false narrative on my credit report you contact me by certified mail and give me 30 days to respond to any slanderous negative allegation. By return certified mail please acknowledge your agreement and {$400.00} reimbursement. 

You still have not responded to your XXXX XXXX A/C XXXX false narrative. Please immediately remove and provide access to your intentional deleterious credit report of me so that I can confirm your removal. Thank you. 

Respectfully ; XXXX XXXX
Product: Student loan

Total amount owed is incomplete they added {$100000.00} from the XXXX XXXX loan forgiveness to another college I attended and graduated in XXXX ( XXXX XXXX ). I have called XXXX Aidvantage several times but was told to contact Dept. of Education they have to settle it and we are just a company that oversee your loans. Called Dept. of Education and they reported to me three times the amount for {$100000.00} was paid and it's Aidvantage 's job to update the account. Last call to Aidvantage and was told to call XXXX XXXX get a copy of my business account and upload it to the Aid Aidvantage account. I have done this and still waiting for Aidvantage reply.
Product: Debt collection

They have unfairly contacted me for the purposes of debt collection. Their attempts can be deemed illegitimate due to the fact they sent me no formal notification of collection 30-days before the calls started which goes against the Fair Debt Collection Practices Act. They are trying to collect a debt that is also in the process of being paid to the party to which it is owed. They continue to use coercive and extortionary language during their calls to me, telling me and my family that we could face some serious penalties if no money is given to them. In reaching out to the original creditor, they indicated to continue to send the payments to them as the individuals at Enterprise Recovery Systems in XXXX XXXX are paid on commission.
Product: Credit reporting or other personal consumer reports

I had 8 accounts with Affirm that were closed but had balances. These accounts were sent to XXXX as collections. I contacted XXXX and paid off all balances XXXX XXXX. XXXX informed me that Affirm had extended an a " setting a balance '' for 2 of the 8 accounts of the accounts. XXXX also informed me that they would report these 2 accounts as " successfully settled '' to Affirm. 
On it about XX/XX/XXXX six of the Affirm accounts reported to XXXX as XXXX balances ... the two accounts referenced above show an outstanding balance ( XXXX and {$67.00}. ) I waited a few weeks to see if these 2 accounts reflect a XXXX balance but they did not. I contacted Affirm regarding the concern and the advised me to contact XXXX. I contacted XXXX and they told me that they did report all accounts as settled. I offered to pay the balance stated ony XXXX credit report ( {$32.00} and {$67.00}. ) XXXX informed me that the account is settled so I was unable to pay anything. I contacted Affirm with this information and they told me that I was not able to pay them either. They stated that all of accounts were closed. I kept waiting fom these 2 balances to show up as XXXX balances ... to no avail. On XX/XX/XXXX I again contacted XXXX and they emailed me confirmation of these payments as well as " setting a balance '' confirmation. I filed a dispute this XXXX and that did not resolve the issue. 
I am caught in a horrible situation... everyone is pointing the finger at the other 'person '. I, as well as the XXXX  that I am XXXX, is currently homeless as I can not pass a credit check for an apartment complex. 
Please help... I do not know what else to do. 
Kindly XXXX XXXX
Product: Debt collection

On XXXX XXXX, XXXX, I found out that XXXX XXXX of XXXX XXXX  and XXXX XXXX XXXX, XXXX sent me to collections at IQ DATA INTERNATIONAL IN license number NMLS # XXXX and they reported on my wife and my credit report that we were delinquent and owed an amount of {$3100.00}. I immediately called them and asked them what this was for since I had never received a bill. They sent over a bill to me within one hour of talking to them. Once I received the bill I saw there were fees on there that should not be being charged nor had they given me the opportunity to even pay it before they sent to collections. As soon as the area manager got involved she acknowledged that there were some charges on the bill that were inaccurate and she told me via email on XX/XX/XXXX that this account has been removed from collection and would be removed from my credit report. In the meantime she finished her accounting and came up with a bill that we both agreed upon. She gave us one week to get the payment sent in or it will be put back on my credit report. XXXX XXXX XXXX XXXX received and cashed the check within one week and they confirmed via email it was received. However, it is still on my credit reporting and it is affecting my wife and i financially to be able to obtain and secure a home loan and all the while interest rates are going up due to the delay in getting this erroneous credit reporting which in turn will end up costing me thousands of extra dollars due to the negligence of this companys s ill will reporting to my wife and my credit report. Not only that interest rates have now gone up and it is going to affect my overall monthly payments on my new home loan when I get approved now. All my rent payments were made on time and I have proof of this. I am also attaching documents showing that IQ DATA INTERNATIONAL , INC. license number NMLS # XXXX is not even licensed in Michigan to collect consumer ( s ) rents. At this point I need help from the CFPB to intervene and investigate this company.
Product: Debt collection

XXXX XXXX is reporting a false, unvalidated account on my credit report. I sent them certified letter on XX/XX/2018. To which they responded with their own account summery with does not meet Fair Debt Collection Practices Act requirements for validation of debt. The did not provide any proof of any signed agreement I had the the alleged original creditor. 

Not only did they fail to validate this debt with in 30 days as required by law, they also took collection activity by adding erroneous accounts to my credit report. 

I also sent them a SECOND certified letter on XX/XX/2018 to which they have ignored.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Jefferson Capital Systems , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency.

I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt.

Agreement that bears signature of the alleged debtor with promises to pay the original creditor.

Complete payment history on this account, to prove that the amount you wish to collect is correct.

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

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

The cfpb has allowed XXXX to violate my rights again. I now have evidence proving that XXXX did not investigate the inquiry from bank of America on XX/XX/XXXX for XXXX XXXX XXXX in XXXX XXXX XXXX I now have evidence from XXXX XXXX XXXX and XXXX XXXX and other banks. please stop letting XXXX get away with this or I will go the attorney generals office. thank you
Product: Student loan

daughter received loans from wells fargo, daughter does not reside in this house. i constantly receive calls daily from wells fargo, XXXX, north dakato when answered, their computer/person hangs up ...