23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

1. Throughout the month of XX/XX/XXXX and XX/XX/XXXX, the company called me repeatedly without even identifying themselves. When asked for their identity, they stated that they were unable to provide me with any information because they were unable to confirm my identity and/or verify my account. It is to be noted that owing to their failure to answer my questions as to the authenticity of their multiple calls and/or company, I was apprehensive about sharing my personal information, especially my social security number. 

2. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX ( FMS ) dated XX/XX/XXXX alleging that I owed their client {$7800.00}. This was my first official contact with this company as they had refused to talk to me because they could not verify my identity and did not disclose who they were. 

3. I responded to their letter dated XX/XX/XXXX by certified mail on XX/XX/XXXX. Therein, I disputed the debt, dismissed it in its entirety and requested verification. You will also notice that I specifically stated that their calls were being construed as harassment. 

4. Pursuant to the FDCPA, I sent in a DEBT VALIDATION AND/OR VERIFICATION REQUEST by CERTIFIED MAIL on XX/XX/XXXX which FMS received on XX/XX/XXXX at XXXX XXXX. Despite sending in this request FMS continued to call my phone repeatedly. FMS called me on XX/XX/XXXX at XXXX XXXX and on XX/XX/XXXX8 at XXXX XXXX from telephone number XXXX. The person I spoke with during those unlawful calls stated that her name was XXXX. XXXX demanded that I provided her with my SSN or part thereof and stated blatantly that WE WILL CONTINUE TO CALL YOUR NUMBER 5. FMS, by continuing to harass me by telephone, and by reporting the debt to the XXXX XXXX XXXX after they received my request for debt validation on XX/XX/XXXX at XXXX XXXX, have violated my rights under FDCPA. You will notice that FMS continued collection activities after they received my request for debt validation. They have also listed an unverified debt of {$7800.00} on my credit report. 

6. In light of the foregoing, FMS has sent an unverified debt to the credit bureaus in violation of Federal Law. With the help of the Consumer Financial Protection Bureau, I hereby request that FMS be investigated for their practices and all damaging information be deleted from my credit report.
Product: Debt collection

I received multiple letters from a company called XXXX XXXX , XXXX stating that I owe and outstanding balance of {$660.00} on behalf of XXXX XXXX XXXX. The original creditor is listed as XXXX XXXX XXXX. The XXXX XXXX XXXX  is located in XXXX XXXX, which I have never lived in, nor lived near. I have never opened an account with them in anyway ( savings, checking, credit, Auto ). I also ran a full credit check for all three credit systems and the supposed debt was not listed anywhere on the reports. 

I have attempted to contact XXXX XXXX, XXXX multiple times over the course of two weeks and can never reach anyone there. I only get dropped to an unknown voicemail asking to leave a message. There are zero options to get to a real person to actually try and correct this issue. 

All documentation has been held and is available for full disclosure if needed.
Product: Mortgage

Loan modification done by Greentree/Ditech in XX/XX/XXXX My principal balance before modification was {$160000.00}. 

My principal balance after the modification changed to {$190000.00}, a difference of {$28000.00}. The modification states that {$28000.00} is of the new principal balance and that shall be deffered. 

Ditech added it to my new principal balance and deffered the same amount totalling {$56000.00} I have been paying my modified mortgage since XX/XX/XXXX on the principal balance of {$190000.00}, and am now down to {$180000.00}. 

Ditech included the {$28000.00} in to {$190000.00} ( my current payments ), and are still saying this same amount is deffered. 

{$190000.00} ( modified new pricipal ) plus {$28000.00} ( deffered amount ), totalling {$22000.00} for a house i have been paying mortgage since XXXX
Product: Debt collection

XXXX XXXX XXXX in XXXX, AL states that I have a medical collection for a XXXX  in XXXX. I have never even been to XXXX. I called them and they would not listen to me - they just wanted me to pay the debt without caring that it isn't mine.
Product: Mortgage

Our mortgage was sold to Selene Finance at the end of XX/XX/XXXX. We received multiple letters stating that they did not have the address set up to send in payments and that they would inform us where to send the payment. They sent another letter saying that they changed the address for payments and they would not send out late payments. We received no correspondence via email from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX and XXXX XXXX could not open an online account using our zipcode, social security numbers. we tried XXXX times and all attempts failed. The plan was to establish an online account to pay mortgage XXXX XXXX was paying via phone. Customer service was non-existent for the XXXX XXXX  months of the loan ( XXXX to XXXX ) because Selene would not answer the phone nor respond to emails. A few of the emails were responded to a month later. They just installed an auto generated response email that lets you know they received your email. Once we finally was able to speak with a customer agent he helped us set up the online account and that's when we set up auto pay. I discovered that the mortgage was late because all XXXX of my credit alerts went off and I immediately took action and paid the mortgages that day! Theie communication, their technology, their customer service is horrible. We own multiple businesses and are real estate investors. we currently have 4 mortgages and take our credit seriously. when I spoke to an agent, I asked why were we not emailed, called, etc way before this why did it take alerts on my phone to alarm me of this issue. XXXX was making payments via the phone and one of the payments did not process apparently. We believe there was a glitch and our info was not in their system and so the payment did not process Selene will not take any responsibility for their inadequacies and now we have 60 days late reported. we've had amazing credit up to this point in our lives. 
Problems with Selene 1. lack of timely response 2. horrible and non professional customer service ( one of the agents very helpful ) 3. ON boarding process and technology is antiquated 4. Website would not acknowledge customers who had already made a few mortgage payments
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial was given a copy of the attached Police report, my drivers license etc. along with a request to investigate and remove the inquiries that were created by them on all 3 bureaus from some one attempting to purchase a car in my name. I have a fraud alert on my bureau and thankfully no car was purchased. However, this company shopped my info all over the place resulting in a dramatic drop in my XXXX  score from too many inquires. I have asked them to remove them. They send me the generic response back they were shopping credit for me. No they weren't I have told them I was never at XXXX  XXXX XXXX, never applied for credit etc. So, they are not willing to accept this and remove these inquires. I had 84 inquiries between the 3 bureaus in a 2 day period. XXXX!!!!!
Product: Mortgage

My mortgage has been a nightmare since my financial distress due to XXXX XXXX leaving me unemployed, force to file bankruptcy to keep Bank of America from taking my home. It took them two years to approve a modification while I was in bankruptcy. Now my bankruptcy has been discharged Bank of America has not reported any of my Mortgage payments for the last year. I was told to write the credit bureaus and dispute this really. My mortgage is {$1800.00} way over my budget I am paying to qualify for refinance. Now it is time to refinance of course Bank of America says no wow because they do n't see a payment history on my credit for mortgage, I am sick and tired I do n't know what to do. I am literally sick and I am limited with fighting with them again. Please help me I am a XXXX veteran with a VA loan feeling trapped.
Product: Credit reporting or other personal consumer reports

This company was trying to fraudulently add information to my credit report. I tried to verify debt and they couldnt provide receipt or original contract for amount between XXXX XXXX and I therefore all three credit bureaus decided to remove. Please do not be complicit in spreading fraudulent information. 

This is a good will attempt to correct my report before legal action will be pursued. I have also made a complaint with the XXXX
Product: Checking or savings account

On XX/XX/year>, we noticed an unauthorized transaction in our joint checking account for approximately {$50.00} in purchases from a XXXX  XXXX 's restaurant in XXXX, Florida. We called Wells Fargo to flag the fraud. They reversed the charges and said they would block any further fraudulent activity. 

On XXXX XXXX, someone used an ATM at XXXX XXXX XXXX XXXX in XXXX, Florida, to transfer {$1000.00} from my husband 's primary checking into our joint account. They then withdrew {$2200.00} from our joint checking account. This is the same account that had experienced fraud on XX/XX/XXXX. Clearly they took no action to block this subsequent fraud. 

We filed a report with Wells Fargo and they said they investigated. We spoke with agents at least three times over the course of that week. We received a notice yesterday ( XX/XX/XXXX ) that they had concluded their investigation and were denying our claim. 

We requested ATM footage and any documentation they have supporting this denial. We have received nothing. We filed a police report ( pending ) and a complaint with the XXXX, and also called Wells to dispute the denial. They are still refusing to take accountability and refund that money.
Product: Payday loan, title loan, or personal loan

I am not sure but I keep receiving emails after I filed bankruptcy. I gave them my lawyers information and my lawyer even attempted to contact them. They stop the emails for a few weeks then they start right up again. Here is a copy : Case File No : ACE XXXX Balance Amount : {$970.00} Creditor : XXXX XXXX XXXX Case File Transferred to ACE : - XX/XX/XXXX 2017 Subject : Notice of Legal Proceedings against fraud activity. Dear Customer, Having checked your Social Security Number through our National Checking Database System, and finding out that you have been never charged for a fraud activity, XXXX has decided to give you a chance to take care of this issue outside of the Court without you having a report on your Credit History and SSN. In order to avoid a lawsuit of {$2800.00} against you, we request you to kindly pay the Court Restitution Amount which is {$970.00} If you settle this matter today, you may be entitled to get some percentage of deduction on the restitution amount. You will have to send us a promissory note in order to hold your case file from being sent to the court house. On a case to case basis, you may be given the solution to pay 50-55 % of the pending amount in the same month & a 30 days extension to settle the rest of the settlement amount as mutually agreed.
Product: Debt collection

CMRE are reporting a collection account on my credit. I paid the bill to XXXX XXXX. XXXX XXXX sent a letter to CMRE telling them that my bill is paid in full to them and my balance is XXXX. They asked them to remove the collection from my credit. CMRE stated to me that they are not going to remove the collection from my credit because they felt the original creditor XXXX XXXX should have charged me more money.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Same name different accounts and name has hired different collections agencies whom also request Same amount money. That l don't owe. XXXX Has different names. Notice due to these XXXX 's alias which is shown on my account. .has effect my credit scores. I have proven to XXXX, XXXX Trans Union these accounts l don't owe.. .verification wi driver 's license I sumitted information CFBF instead of there credit bureaus remove these items. They are allowing me to continue to be denied credit.. I have tryes to remove these companies with credit specialist.who has waited over 90 days .. Something .needs to be done .Government? Due to lm not able to get credit, nor housing constantly denied. I proven.. Now the credit bureaus has placed alias on my account l don't used nothing but XXXX XXXX. As a name. Which's isn't fair attached information denied Letter due to credit reporting. Attached Wisconsin drivers license is attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these and the results came back as, " Updated '' when in fact they were not. 
1 ) XXXX XXXX 2 ) XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( 2 accounts ) I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, therefore any such debt, in fact exist
Product: Credit card

To Whom It May Concern, I am writing to formally file a complaint against Bank of America regarding the mishandling of my credit card account closure. The account in question, ending in XXXX, was supposed to be closed after I made the agreed-upon payment by the specified deadline. However, despite fulfilling my obligations, the account was not closed as promised. 

We did not realize the account was still open until this morning when my wife mistakenly used the card, assuming it had been closed. This has caused unnecessary confusion and frustration, as we had taken steps to resolve this matter in good faith. 

This is the second time we have experienced issues with Bank of America failing to properly close an account. Previously, the bank mistakenly closed the wrong account, adding to our frustration and eroding our confidence in their ability to manage our accounts correctly. These repeated failures are unacceptable. 

I have made every effort to resolve this issue directly with Bank of America, yet the problem remains. Given these repeated mishandlings, I am strongly considering closing all of my accounts with Bank of America. 

I request the CFPBs assistance in ensuring that Bank of America upholds its commitment by properly closing the credit card account ending in XXXX as was originally agreed. I also seek written confirmation from the bank that the account has been closed with no further obligations on my part. 

Please let me know if any additional information is required. I appreciate your time and attention in helping resolve this matter. 

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

I have reported to American Express identified theft. They told me to be patient while they investigated. They have been investigating for over 60 days and are also reporting on my credit Im not paying by bill.

They told me not to pay the bill because it is fraudulent. Why are they reporting to my credit report that Im not paying my bill?
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and compromised for the benefit of another individual unknown to me. And from this my credit file has unknown accounts on there inwhich I have no knowledge of. I'm demanding that these accounts be throughly investigated, corrected, and updated. Please provide me with physical documentation inwhich attached my name and social to these unknown and unauthorized accounts. And if you or your companies can not meet the above demand, I'm respectfully demanding that the following accounts be removed and block from my credit file. 

1 ) XXXX XXXX {$780.00} 2 ) XXXX XXXX   {$690.00} 3 ) XXXX XXXX XXXX {$370.00}
Product: Credit card

I am writing to formally file a complaint against Goldman Sachs in relation to their handling of my Apple Card account. I have been a loyal cardholder for several years and have always maintained my account in good standing. My payments have consistently been made on time, and I have taken particular care to adhere to all stated terms and conditions. 

Recently, after making a significant payment on my account, I was informed that I had violated the terms of my agreement with Goldman Sachs. However, despite multiple inquiries, no clear explanation or clarification has been provided as to how I violated these terms. I find this lack of transparency extremely troubling, particularly as I have made every effort to ensure my account is in full compliance with the rules. 

I believe this situation constitutes predatory behavior, as I am being penalized without clear cause, and I have never missed a payment or acted in bad faith with regard to my Apple Card. The lack of clarification and the sudden nature of this violation notice have caused me significant stress and concern.
Product: Vehicle loan or lease

I am being charged XXXX from Ally Auto I have called several times and try to obtain info as to what the charge is for no one can tell me first they said it was a payment that was not made I told them I could provide proof from my bank account to show the payment was made but the person I spoke to would not allow me to forward the info I called and ask to speak to a supervisor several times no one calls me back.
Product: Credit card or prepaid card

I applied for a XXXX 's credit card online and was turned down in a letter to me dated XX/XX/2018 stating " Unable to verify identity information ''. I immediately call the XXXX phone number provided in the letter to rectify the problem. After speaking to a supervisor I was told the cell phone # given wasn't the one in my credit file. I explained that I no longer have that phone and use one that is under my employers business name. I was told they needed to send a text message to a phone registered in my name. 

At that point I told them I have a landline home phone registered in my name through the cable company. The supervisor claimed a message was sent to it, but didn't work. She asked if I had blocked the phone from getting them. To the best of knowledge cordless landline phones can't receive messages of that type. 

Next step was me asking if there were any other ways to identify me. The answer I received was no and that the application couldn't be further processed. I called the Executive Office at the XXXX 's I shop at to complain and was basically told the store had nothing to do with it. I was then transferred to a sales manager on duty who said she would try and help. Never got back to me! 

I then called the XXXX 's corporate office in XXXX, OH. Ended up with a rep. from the wrong dep. that transferred me to what he said is the right dept.. It too turned out to be wrong and when I was supposedly transferred to the correct one the call was disconnected. 

My contention is XXXX 's by not asking me to go into one of their location with a picture ID to identify me discriminated in offering credit. Also nowhere on the XXXX 's web site does it state in order to get a credit card there must be a cell phone in the applicants name.
Product: Debt collection

Ive mailed XXXX letters requesting validation and proof that I have done business with this company XXXX XXXX XXXX. They have yet to provide any documentation. It is absurd that this company put a collection account on my credit file. I found that to be odd because for XXXX the credit bureau is to report nothing but accurate information about me. So how are XXXX XXXX XXXX supplying information to the credit bureaus about me when you could not provide me with validation. 

The company XXXX XXXX XXXX XXXX did not provide the requested documentation. I had requested proof that I signed any contract with this company that bounds me to them. They sent a generic document with my address and social security, NO signed contract! I also requested documentation showing how they calculated what they say I owe. Also, Copies of signed documentation show I agreed to pay what they say I owe. What kind of business dealing have I done with them.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attentionXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Charged off Inquiry in Dispute : XXXX XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$540.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$21000.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a compliant initially as TransUnion had someone else social and accounts listed on my credit file initial compliant # was   XXXX   Now my credit does n't even pull up. I have many items that are open and active and no TransUnion credit report why? This has got to be resolved and is unfair to me. I need to make a financial move like yesterday and can not due to this problem. I NEED HELP
Product: Credit reporting or other personal consumer reports

Transunion and XXXX have been reporting erroneous information thus dropping my credit score more than XXXX points. Starting in XXXX of XXXX  I have disputed the problem several times. In XXXX of XXXX  my credit report was finally updated however shortly thereafter the wrong information was re-reported. I disputed the situation again and it was corrected but only to report incorrectly again. Each time the wrong info is reported my credit drops by about XXXX points. Not only is the information that is being used dated back to XXXX, there is no bank statement supporting the claim that I have a debt of more than {$15000.00} as they have reported.
Product: Checking or savings account

On XX/XX/XXXX, I opened a BMO checking account under an offer for {$600.00} cash bonus after making {$7500.00} in direct deposits. At no time in the signup process did BMO indicate that they were enrolling me in a different offer for only {$500.00} bonus. Recently I learned they had switched me to a different offer and they would only pay {$500.00}. 

In the meantime, I got a targeted mailer for {$600.00} bonus but was unable to use it because of already being enrolled in the {$500.00} bonus. 

BMO should be transparent with customers if they are no longer offering one amount so customers can make informed choice about which offer to enroll. This was deceptive in that customer was not informed during signup of the switched offer.
Product: Money transfer, virtual currency, or money service

sent money to wrong people alot and couldnt get it back