23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX : Agreed to pay {$29.00} until the balance of an old debt was cleared of approximately {$710.00}. A letter outlining disagreement was sent to me on this day. 

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Zion Debt holdings, LLC took out the regularly scheduled payments of {$22.00} XX/XX/XXXX : Call Zion Debt Holdings to find out why the payment has not gone through and a representative told me that it could take up to two weeks for the payment to post. 


No money had been taken out for the month of XXXX and XX/XX/XXXX I decided to look up the company and found out. They have several legal actions against them in several different states for attempting to collect debt without the proper licenses. 

XX/XX/XXXX : Called Debt Holdings, LLC and the representative did not want to give me his name. I insisted upon it and he said his name was XXXX XXXX I think the owner of the company. ) again asked why the monies have not been taken out for the month of XXXX and XXXX and I was told that he did not know why I must have put a block on my account. This is absolutely absurd, and I told him that there was no block or stop payments on a checking account that I have had open for several years. He insisted upon accusing me that it was my fault, and he used the worst most unprofessional abusive language I have ever heard from anyone From a company I asked him if the company had legal actions against him and he said that I was lying and making it up and that all I was doing was looking on XXXX I told him I had proof. I have downloaded the motions and he told me to prove it. I said please furnish me with an email and I will send those PDFs over. He did not do it. 

It was like talking to an uneducated XXXX boy that had anger issues. I told him to run the payments so that its caught up. He continued to tell me that it was already put as bad debt on my credit and that youll see the negative effect and impact on your credit Because of the bad debt I continue to tell him the money is in there, and there are no holds. There must be something on your end that is not happening properly. The most recent cease and desist order I think came in XX/XX/XXXX, which would make sense as to why the payments have not been taken out. Of course, I can not be sure of that as I am not a lawyer, but I have seen documentation regarding it. I have no problem making it on the Debt. Theyre just not taking it out.

I would like to know if they legally have a temporary cease and desist order to collect monies. Additionally, I have called my bank to confirm that Zion Debt Holdings attempted to make those withdrawal payments and the representative at my bank said Zion Debt Holdings, LLC has not tried to take money out since XX/XX/XXXX. This company does not need to have a license how they do business is extremely unprofessional and unethical, and they do not deserve to hold a license to collect on Debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the dealership and spoke with XXXX  in XXXX about incorrect status that's on my credit repot that says charge off /closed she advised me to send a letter in to have the correction made to PAID because the car is paid off I sent a letter in XXXX to XXXX no response I sent a second letter XX/XX/XXXX to start auto directly which they received it on XX/XX/XXXX its now XXXX the correction has not been made and I been calling XXXX to fix this correction and now I can't get in contact with her and I never received nothing in the mail indicating that its getting worked on or nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all " Fraudulent '' request. I have not applied to any of these places.
Product: Credit card

I made a payment to a closed Chase Visa account XX/XX/year> by mistake. The payment was made through XXXX XXXX XXXX. I didn't find the error until XX/XX/year>. Now, after many calls to Chase Visa, and XXXX, and a trip to Chase Bank. It's now several months later XX/XX/year> the money hasn't been returned.
Product: Mortgage

Rocket mortgage scammed me out of {$500.00} dollars told me twice I was approved for HELOC and said I had to pay {$500.00} to get the Loan started and then denied my loan after they charged my card {$500.00}. I saw the Exact same complaint filed with the XXXX from another customer who Rocket Mortgage resolved but wont resolve my dispute. This is a personal attack.
Product: Student loan

I recently reviewed my report and I noticed I had fraudulent accounts on my credit report please remove these accounts from my report they are hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX XXXX XXXX Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.
Product: Credit card

I have made the reservation for hotel using SYNCHRONY BANK/Sam 's Club XXXX. 
Hotel charged me amount that double the amount of reservation. I provided this information to Credit Card Customer Service, the reservation confirmation with the amount and Email from the hotel acknowledging that they made a mistake XXXX Hotel never gave me a credit for this amount ). I have received the letter from SYNCHRONY Bank with excuse that they can not enforce the Hotel to refund overcharged amount. " Each merchant determines their cancellation and/or return policy ''. I did not cancel or return anything. The amount of charge is twice the amount on reservation. 
They closed the case and said to me that Hotel has right to charge me any amount.
Product: Credit card or prepaid card

Approximately XXXX I applied for a Citibank Costco Credit Card. 
My request was denied an I was told I would receive a letter in about 7 days. 
XX/XX/XXXX. 2022 I received a letter outlining the reasons for denial. Based on their letter and indication that it was based on my XXXX credit report, I checked my report. 
The initial reasons they cited in the letter were NOT accurate. 
XX/XX/2022. After reviewing their email and reading their letter i attempted to call them, at the number they provided. The number was an AUTOMATED SYSTEM that did not offer an opportunity to speak with a live person. After approximately XXXX mins of trying to speak to someone the person that answered transferred me BACK to the automated system. 
I didnt have time to deal with it so I set it aside. 
Later the same day I again attempted to contact them to speak with a live person. Again, it took XXXX minutes of fighting with the automated system to be transferred to a live person. I prefaced the call with the fact that their automated system was horrible. They did transfer me to another live person. That person was very nice but couldn't seem to grasp the reason I was complaining and that pulling another credit report would be a waste of time because their explanation did NOT match what was on my credit report. 
Additionally, had they made it clear that XXXX derogatory remark on the credit report, regardless of the reason, the application would be denied, I wouldn't have applied for the card. 
Additionally, I have a FRAUD ALERT on my credit reports. Most legitimate requests for credit applications are followed up by a phone call to verify my identity and to verify I personally submitted the application. They didn't do that. How do they know it wasn't a fraudulent request?
Product: Credit reporting or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b, to request that you exclude my information from any reports or disclosures provided by Early Warning Services.

Additionally, I would like to bring to your attention the fact that, to the best of my knowledge, there has been no formal written instruction from me, the consumer, authorizing the furnishing or sharing of my information with Early Warning Services. As such, I am concerned about the inclusion of my information in any reports or disclosures provided by Early Warning Services without explicit consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 a hard inquiry from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX from XXXX XXXX XXXX pulled my report for a mortgage application however in less then 30 days they pulled my report again on XX/XX/21 for the same company. This resulted in 2 hard inquires on my XXXX, XXXX and Experian reports. I have tried to resolve this issue by calling XXXX XXXX however the two inquires are still showing on all three of my reports. The second time my credit was pulled was less then 30days and without my approval. This has effected my credit score.
Product: Credit reporting or other personal consumer reports

I sent a certified mail along with notarize letter and my utility bill, id. The dispute letter was sent XX/XX/year>. I inform Experian that the information they are reporting on my credit report was inaccurate an incomplete. I sent them a copy of my credit report with hand written marks of the inaccurate and incomplete information. They did not mail me back the results of the investigation. The rep confirm they received my certified mail and documents. The accounts that i disputed are also still inaccurate and incomplete on my credit report. When I called and asked for a copy of my results of the investigation, the rep told me they no longer have my results and can not email or mail or tell me my results. He refuse to send me a copy of my results or correct the outdated and inaccurate information.
Product: Debt collection

A company called first credit services is calling me daily every day about a debt with an unspecified amount. They call from a different state every day during my work hours. I am not entirely sure what the debt it for but I suspect it is for a gym membership from XXXX XXXX in XXXX, KS. I had a gym membership. They overcharged me, also were not submitting charges to an on file payment for two months and then notified with a large bill. I could not meet with them in person for XXXX  and they would not return my calls or address itemized charges via email. I made a payment towards correct charges so would continue the dialogue on incorrect overcharges and needed credits. They might have sold debt not with credit. Their online system would not show details of charges to review nor dispute. They cancelled account and sold debt w/in XX/XX/XXXX days of notification to try and resolve. I believe it was sold to this company. I had one conversation w/the First credit services in XXXX of XXXX and they have not provided written itemization of debt, debt total, who the debt is from, and the original contract as requested. I have not received any written notice to try and dispute the debt and they call everyday sometimes 2x a day. I will not speak to them until I get a written detailed notice as there is no point if I can not see the itemized debt.
Product: Mortgage

Green Tree XXXX XXXX servicing XXXX of my mortgage account number has been recently sold XXXX, I have a statement of my mortgage paymnet due of XXXX under a loan modification agreement and now i am getting harrassing calls XXXX that payment due is {$2100.00}. and that i will incur damaging credit and a collection record. I have not received anything in writing of this taking place, i understand that Green Tree is paying a XXXX dollar fine for doing exactly what XXXX is starting to do now and would like assistance as to what my options are.
Product: Debt collection

I was sent a fraudulent letter in the mail asking for credit card information to collect a debt I don't have.
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX lawsuit. 

I feel i was negatively impacted by Transunion hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 
But i don't see any details about your investigation. 
A fine will be applied soon if proper investigation is'nt applied too.

Please provide details to investigation or delete accounts.
Product: Vehicle loan or lease

A previous complaint was filed against this company concerning an unsigned sales contract. Their response to the first complaint was sending a copy of a XXXX XXXX XXXX XXXX Process. This form is bogus. It has fake signatures that don't remotely resemble our signatures. A complaint was also filed with the Texas Attorney General last year and the Texas XXXX XXXX XXXXXXXX XXXX this year. The attorney generals complaint produced an electronic reproduction of a sales contract with electronically filled in signatures and initials. I spoke with a woman XXXX XXXX XXXX last month regarding this account. She wanted me to send copies of our signatures to XXXX XXXX for verification but they are not to be trusted. I feel like they will try to make other fake documents with our real signatures.
Product: Checking or savings account

I received a letter from Chime/XXXX  XXXX  asking me to Activate my account. I did not open an account with Chime. 

When I called Chime, I was asked to verify my phone number. My phone number, nor my wife 's phone number could not be validated by the automated system. When I got a Customer Service Rep, he could barely speak English and had a very thick foreign accent ; I was told that I had to give my social security number, my date of birth, and my phone number to verify the account or that he could not do anything for me - he suggested I could also submit a copy of my driver 's license or take a " selfie '' holding my ID. When I asked for the Fraud Dept, I was transferred to another man, also with a thick foreign accent ; after placing me on hold several times, the 2nd man told me " there is nothing to worry about as your account will be closed. '' I informed him that I had never given an account number, so what account would be closed? He said " the one under your name. '' It was a very suspicious interaction to say the least. He had information, but then kept saying that said he couldn't give me any information because I hadn't validated my information - he wouldn't even given me partial information. The only I gave him was my phone number and email addresses which, of course, could not validated. I expressed my concern that this was fraudulent, and I informed him that I was going to call the FBI, he said " Well then there is nothing more I can do for you if you are going to involve the FBI ; they will handle it. '' At that point, I terminated the call and tried to contact the XXXX XXXX, XXXX  office, which directed me to FTC ( this site ). 

I should also point out that the card I received in the mail is an actual Debit Card, with an account number, a chip, and my name -- my name is printed incorrectly on the card too ( another suspicious aspect to this ). The address this card was sent to was my former address in XXXX ( I now live in XXXX  ).
Product: Debt collection

I was informed by my mortage company XXXX Newrez/Shell Point Mortage Loan XXXX XXXX ) that my payments would be increasing on XX/XX/, by {$190.00} per month because of an escrow analysis of my account and the reason was because XXXX who is my mortage insurance and my auto insurance company had sent over a request for the cost of the home insurance and later sent another request for the cost of the auto insurance as well policy # GIC XXXX XXXX both were paid But I pay XXXX {$250.00} XXXX month from a draft from my checking account for auto insurance, I tried talking to them but they say they only got the money they were supposed to have for the mortage insurance and they haung up the phone on my last call. So I asked the mortage company for proof of what they were saying and the sent me an escrow summary report and it shows that indeed XXXX did get the money just as stated and the balance for my escrow account is still in the negative. So they are getting paid twice for the auto insurance and are refuseing to refund my money back to the mortage company so that my house payment will go back down, this is the bases of my compliant but there is much more. I also think this is a violation of my XXXX to privacy for XXXX to send any information about my auto insurance to anyone including my mortage company.
Product: Credit card or prepaid card

When in fact, American Express clearly listed negotiable instruments among the payment options in the customer agreement, American is in possession of multiple negotiable instruments made payable to American Express for over 10 days and did not credited the accounts of the principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect personal information on my credit report. ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX I XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX, XXXX XXXX XXXX PL XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXXXXXX XXXX XXXX XXXX XXXX **, ( XXXX ) XXXX, ( XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Product: Student loan

My Teach Grant was converted to a loan. I called XXXX XXXX XXXX to make this situation right as I have been working in a low income public school for 2 years and they told me I didn't re-certify in time. I never received an email from them. They told me it's my job to check their email frequently for notifications. I'm still working in the same school teaching low income schools, so I am continuing to fulfill my end of the agreement. 

Secondly, my Public Service Loan Forgiveness keeps getting denied for things like : -the start and end date were on the same line -all pages need to be uploaded again even if you have already submitted a cover page in a previous upload
Product: Mortgage

XX/XX/2021 - Received confirmation that XXXX received file for loss mitigtion and requested missing documents which I promptly sent ( email digital trail ). 

XX/XX/2021 - XXXX emailed requesting Property Tax Bill and proof of Homeowners Insurance which were not on the original request for documentation. 

XX/XX/2021 - I called to follow up because I had not heard from XXXX. I was told that they had received to documelntation but they had not processed the documents and would expedite. 

XX/XX/2021 - XXXX asked via email for the same documents I had already sent which XXXX had already confirmed received. I was transferred to collections who did not receive documents and replied " We can not complete our evaluation of your application unless we receive additional information. '' I resent documentation. 

XX/XX/2021 - I phoned XXXX early morning to confirm receipt which XXXX confirmed XXXX 

XX/XX/2021 - Received letter regarding our " XXXX missed mortgage payments '' and to contact XXXX at ( XXXX ) XXXX. Impossible to get through. Phone records show the many attempts I tried. I was able to get to castellcustomer service but impossible to connect with Loss Mitigation. I asked Customer Service to have a supervisor call me multiple times often waiting for an hour on hold before their system cut me off ( phone records ). 

XX/XX/2021 - Sent missing application with request to exit from the official forbearance plan. 

XX/XX/2021 - XXXX sent letter stating that I had been assigned a Mortgage Resolution Advocate, XXXX XXXX who never contacted me and I was not able to contact XXXX. 

XX/XX/2021 - I was assigned a new Mortgage Resolution Specialist, XXXX XXXX ( XXXX XXXX ) who was supposed to contact me within 5 days. This did not happen as seen by incoming calls on phone records. 

XX/XX/2021 - Received letter requesting additional information not in first XXXX requests. Paystub and P & L statement which were not applicable. After many phone calls, it was declared by XXXX that the underwriters had misunderstood the last paragraph in our written statement. 

XX/XX/2021 - We received a copy of the appraisal. 

XX/XX/2021 - Another letter about our now XXXX missed mortgage payments. 

XX/XX/2021 - I had been checking myloancare.com portal every day to check on status and saw that XXXX confirmed receipt of complete application and was sending to underwriting. Stated that I would receive packet in XXXX days with exit plan. 

To date, I have not received anything. In following up, I was told that myplan was with their law firm for final approval and XXXX would check on status and let me know within 3 to 5 business days. I haven't heard anything to date.
Product: Credit reporting or other personal consumer reports

Despite your promises to address my disputes, an excessively long period has elapsed since I lodged my concerns, and I have yet to receive any information or updates regarding the investigation. I am profoundly concerned by the lack of urgency displayed by your bureau in handling my dispute, especially considering that the contested account is evidently a case of fraud. The significant mental burden this situation has imposed on me can not be overstated, and I implore you to take immediate action to rectify this matter. The repercussions on my creditworthiness stemming from the existence of a fraudulent account not only impact my financial standing but also adversely affect my overall well-being. 
XXXX XXXX XXXX.
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX is saying I opened a gym membership with XXXX XXXX in XX/XX/XXXX and did not pay for said membership and this is incorrect. I never opened a gym membership in XXXX or XXXX and they are failing to provide said gym contract or any documentation signed by me. In accordance to the Fair Credit Report act convergent this account violated my rights 15 U.S.C 1681 Section A states I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

For several years I have been unable to log in to Sallie Mae/Navient. My correct birth date and social security number do not work. Nonetheless, I have attempted to repay my legitimate loans. Today I received a collection notice from XXXX XXXX referring to a debt ( {$830.00} ) which I have no record of and have no way of confirming. 
I suspect that they have created more than one account and that their records either include someone else 's debt or that they are billing me for someone else 's information. I am extremely frustrated because I get no where reaching out to them, they will not communicate in writing and demand that I spend hours on hold only for them to fail to correct anything. When they do send me mail, they do not give any history, just demand additional money.