23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I received a voicemail message from an unknown number. When I returned the call at the number a woman left, I spoke with XXXX XXXX of XXXX XXXX XXXX, working on behalf of XXXX XXXX XXXX. He said he was collecting {$1700.00} for US Bank, where I was a former customer 14 years ago, and that if I refused to pay, I could be liable for 3 times that amount. Fearing that it might pop up on my credit report, I agreed to pay, since after all, Mr. XXXX had my former address at the time of the debt, my Social Security number, and specific DDA details. Still feeling suspicious, I did some internet research, and found out that US Bank sold my debt to XXXX XXXX XXXX back in XXXX, a firm whose CEO, XXXX XXXX, was indicted for fraud. Moreover, XXXX XXXX XXXX XXXX received an F rating from the New York XXXX, due to returned mail. XXXX phone number is XXXX. XXXX XXXX XXXX uses the phone number XXXX. If I have to repay my debt, it will not be to a scammer!
Product: Debt collection

Enhanced Recovery Co placed a derogatory on my credit report in XXXX XXXX. I have never been contacted by this collection agency. The only collection agency that contacted me was XXXX XXXX. I received a letter from them on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I sent a letter of dispute via registered mail. I disputed a portion of the bill because I had terminated my service with XXXX XXXX XXXX on XXXX XXXX. They billed me for service from XXXX for XXXX. I was also disputing how they arrived at the past due amount of XXXX. To date no response was ever received from XXXX XXXX. Nor has Enhanced Recovery Co ever contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit Reporting act 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 as Violated my Rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a Consumer reporting agency can not furnish a account without my written instructions.
Product: Bank account or service

Trying to close bank account with Chase Bank over the phone. A branch is too far away to visit. Even when I pass their verifications, they refuse to close the account. When I mentioned my consumer rights, they hung up on me. I sent this email to them : '' I want to close this account now. Per consumer laws, I have the right to protect my personal information and privacy. The failure to close my account violates my consumer rights to protect my personal information and privacy. I have the right to disassociate myself from this bank and protect my personal information. Your personal service is unacceptable and intolerable. I want my account closed. This account does not have any money in it and it will never have any money in it. There are no pending transactions. ''
Product: Credit card or prepaid card

I have a Chase credit card that I used to pay for a home appraisal on XX/XX/22. Chase treated this transaction as a Cash Advance, despite the fact that it was just paying for a service and I received no cash. Because of this, they charged me a {$29.00} " Transaction Fee '' and Interest Charges of {$6.00} & {$13.00}. There is no way for me to know which transactions would be considered a cash advance. Their cardholder agreement defines a " cash-like transaction '' as " The following transactions will be treated as cash advances : purchasing travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions ; purchasing lottery tickets, casino gaming chips, race track wagers or similar betting transactions; and making a payment using a third party service. '' None of this applies to my transaction. I spoke with a Chase supervisor ( XXXX XXXX and he refused to refund the fee or the larger interest charge. Even more concerning is that he said there is no way for me to prevent these sort of mischaracterized cash advances in the future. I can't disable it. He also tried to blame the vendor I paid, saying that they asked for a cash advance and I could dispute the charge. I confirmed with the vendor that they did not do this and it was just a normal charge. 

My larger concern is that Chase is free to mischaracterize transactions, charge fees and interest, with no recourse.
Product: Debt collection

I recently checked my credit report and found a collection on my credit which was deleted by the law office of XXXX XXXX XXXX. I received correspondence from the collection company once and was told the debt is mine and I was responsible for paying it. I have two fraud alerts which were established with the credit bureaus in XXXX and XXXX however the same company continues to shop this debt to a collector attempting to collect on it. This fraudulent transaction was in XXXX and I have included a screen shot where I previously filed a complaint with the CFPB concerning this attempt to collect on this fraudulent debt which is reporting on XXXX XXXX, XXXX, XXXX. 

This account has since been sold to XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I basically Got scammed with {$250.00} there was completely no actions taken by the company no matter how much screen shots and proof I showed them as to what explains what happen and that it was problem on their end no action what so ever just telling me next time make sure I know the person when I definitely was not even trying to make a transaction using cash app in the first place and the person whome was supposed to receive the money does not even have cash app!
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled the accont with XXXX XXXX for XXXX dollar pleases let them show my account as settled
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$2000.00}, XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1500.00}, and XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$270000.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a email from capita lone that my online service information was updated which I did not do. On XX/XX/XXXX XXXX was taken out my personal bank account and transfer to XXXX XXXX. XX/XX/XXXX XXXX was transfer to XXXX XXXX On XX/XX/XXXX a company XXXX XXXX XXXX XXXX XXXX  charge XXXX on my credit card and on XX/XX/XXXX the same company XXXX XXXX XXXX XXXX XXXX  charge XXXX. My personal bank account funds was return on XX/XX/XXXX in the amount of XXXX. However capita one credit card department will not reverse the charges. 
I have had multiple credit card mail to my resident under names I have not assign as authorize users.
Product: Debt collection

Portfolio recovery associates is saying I'm liable for debt where the original contract was not authorize by original contract to share personal information to a third party.
Product: Debt collection

XXXX XXXX  Fire Department XXXX XXXX XXXX XXXX XXXX sent me a bill. The problem was, the address was incorrect. I never received the bill nor did I receive any phone calls. They stated that that they called my cell phone but never left me a voice message ... .therefore I never knew that there was an outstanding bill. 

I NEVER received a phone call message OR bill via Americollect either. 

The first that I was made aware of ANY outstanding bill was XX/XX/2021 when the " Collection '' appeared on my credit report. 

I IMMEDIATELY paid the bill via XXXX XXXX XXXX ( Conf number XXXX ) Americollect told me that there was nothing they could do re : my credit report. 

How can pay a bill when I never received it?? 

Apparently, the billing department had my address listed in XXXX WI and not in XXXX, WI.
Product: Mortgage

My mortgage was purchased by Nationstar Mortgage, XXXX, XXXX. shortly after I lost my job and was unemployed for 7 months without an income, I missed a payment and had to make my payment on the XXXX instead of the XXXX of the month as that is when my wife was paid. I gave Nationstar this information, however they did not care or work with me at all and continued to charge me excessive fees, interest etc. I now make my payments on the 1st of the month and am re-employed, I now also pay escrow on my mortgage as this was mandated by the company because I was behind, even thought I always paid my insurance and taxes, they changed my payment without my knowledge to a larger amount, they said they notified me, however I received no such notice, now according to them I am even further behind, I have been making payments of {$940.00} the XXXX of each monthly, but my principle balance never goes down and every penny goes to escrow, charges fees, interest, inspections, etc. I paid {$1200.00} on the XXXX of XXXX 2016 and {$1000.00} went to the to fees and charges. In the past I applied for a Homes loan re-modification offered by Nationstar after providing them a wealth of information they required, they denied my request, I have spoken to many of their representatives, which are all from some foreign country, I get absolutely no help or resolution of any kind. They continue to send individuals to my home to take pictures of my house, even though I make a {$940.00} payment each month. I get constant collection calls, and threatening letters. I have investigated Nationstar on the XXXX. XXXX and they have over XXXX complaints related to the same issues I am writing about. At this point I feel that Nationstar iis a very dishonest company, they have no intention of helping in anyway, in just 6 months I have paid over {$4500.00} in interest and fees with less than {$300.00} actually going toward the loan. To me this a predatory company stealing money from myself and it 's customers. I want to know how this company is allowed to continue these practices, I want a resolution to this problem immediately from Nationstar Mortgage, and I fully intend to file a complaint with the XXXX, as well as with the XXXX of the State of XXXX, I want Nationstar Mortgage to know I am not leaving my house and as long as I make a timely payment each month they can not make me leave my house, I am going to do everything legally possible to stop these unethical practices!
Product: Credit reporting or other personal consumer reports

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary XXXX, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Product: Mortgage

We are in the process of refinancing, and our current loan company, Rushmore Loan Management will not send over the payoff amount to the escrow Company. We began the process on XX/XX/XXXX and were supposed to close on XX/XX/XXXX. Our broker had to request an extension once, and just had to file another. The broker requested the information and the loan company would not fax it. We called on XX/XX/XXXX to have it faxed the escrow company -- they told us it was sent on XX/XX/XXXX, but the escrow company never received it. The escrow company called to follow up, and Rushmore still did not send it. We called on Monday, XX/XX/XXXX and the company did not pick up the phone, even though we called within business hours ( said they were closed ). We called again and requested it on XX/XX/XXXX -- they said it would be faxed to the escrow company that afternoon, but the escrow company did not receive it. We just want to refinance our loan, but we can't do it because of the negligence of Rushmore. 

We had this same problem with them when we tried to get our PMI removed. Rushmore kept insisting they had sent us letters or faxed us information when they had not. I suspect they are printing copies of the letters they write and placing it in our file, without ever sending anything, so they can claim that they did it. It took 3 months to get them to move on removing our PMI -- that was close to {$900.00} that we could have saved. 

I just want them to send the payoff amount to the escrow company so we can finish the refinance and have another loan company.
Product: Debt collection

GM Financial has failed to correct erroneous information submitted to XXXX, XXXX and XXXX CRAs. 

The accounts on my credit reports are not reflecting the correct or consistent " purge from '' dates. They have been illegally re-aging this debt. Additionally, they are illegally inflating the amount owed even according to their own internal records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown and unauthorized credit inquiries are showing on my credit report, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two incorrect addresses on my account. Looking at the report, it has the dates that I've lived at my real addresses as overlapping these fake addresses so it doesn't make any sense that it is even on there because I can't live two places at once. This is between XXXX and XXXX, and during that time a check was stolen from my apt complex and someone else 's phone number ended up on our bank. 
This showed up in an employment background check that I had when I got my new job last month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX all have information on my credit report stating that the age of my credit score is between 1-3 years which negatively impacts my score. I have a paid off car loan that is in excellent standing that was opened in XX/XX/XXXX that none of these 3 XXXX  companies will put on there, BUT they sure will put information that's not mine like credit inquiries that don't belong to me and charge me for $ 75.00+ for XXXX or XXXX that I never signed up for. That in itself is fraud! They also will keep addresses on there that are not mine and names that aren't mine and credit inquiries that I never authorized. WHO MADE THEM THE AUTHORITY ON CREDIT SCORES??? AND BY THE WAY, they sure can let our personal info be leaked to every person on the big black web can't they?? They couldn't protect a dog collar 's information from a blind person in Braille.
Product: Credit card or prepaid card

From XXXX through XXXX, 2020, I paid to credit card company ( Citi ) {$1300.00} toward my credit card balance and only charged {$16.00} during those XXXX months. 

Yet, my interest per month went upward {$8.00} at the end of XXXX months compared to what it was at the beginning of the XXXX months.. There is no mathematical possibility that my interest per month should not have gone done ... considerably. This is true even if Citi calculates interest based on different number of days in the calculating period. 

In XXXX, Citi calculated a 33 day billing cycle which, of course, greatly increased the interest charged. No other credit card I have has ever calculated a 33 day billing cycle. 

I contacted the company. Their rep said he would send to me, within XXXX to XXXX  days, the reasons for the company 's calculations. I never received it.
Product: Debt collection

On  X/XX/2017    a recording called my working stating that if this was not ' XXXX   XXXX  to please hang up the phone, as this was in regards to a civil matter on a recorded line regarding case #. '' They company name was   XXXX  or Chaplin    Collection   services ... They have called my work numerous times in attempt to collect on a fraudulent payday loan from  XXXX  fund, which  1. I h ave paid in full numerous times, and  2.   XXXX   XXXX  was in a lawsuit for fraud. I would like them to stop calling and harassing me at work, or to provide actual proof of the claim. Instead they are using aggressive techniques to collect on a debt that i do not owe. called from  XXXX  and said to return call there
Product: Credit reporting or other personal consumer reports

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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: Debt collection

Called my husbands phone. Said they were sending the debt to lawyers. The total would be added to my debt. My spouse said it was my debt and his name wasnt on it. The the person asked why I wasnt on more of a leash. Asked if I stopped paying because I lost my job XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX He cursed at him and treated to XXXX XXXX XXXXXXXX! Inexcusable! This company has also made called to me as early as XXXX and as late as XXXX!
Product: Payday loan, title loan, or personal loan

Received a call from Alliance Group Associates regarding a loan from XX/XX/XXXXfrom XXXX XXXX  stating loan was not paid. I have written notice from XX/XX/XXXX from XXXX XXXX XXXX  who purchased this debt from XXXX XXXX stating loan was paid in full. When speaking with supervisor at Alliance Group Associates, she stated I had an additional loan which was not fact as I verified with originator of the loan. I have requested my personal data and any information they had regarding a loan or personal data about me and have been refused such information stating they are sending back to originator to verify. They have requested this letter be emailed to them and I do not feel comfortable sending them any information that they can not provide verification to. I believe this company is a false company contacting any information they can find to try and collect additional monies in resulting in harrassment.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unresolved Fraud Claim with Bank of America Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Bank of America regarding their handling of a fraud claim I filed in XX/XX/2023. My account was hacked, resulting in an unauthorized transaction of {$500.00}. I reported the incident promptly and provided all necessary documentation, including a police report and a phone report from XXXX. 

Despite submitting these documents promptly, Bank of America has repeatedly denied my claim. Each time I reapply, they request additional documentation, making it increasingly difficult to prove my case. As a person on a strict income due to my XXXX, this situation has caused significant financial and emotional distress. 

Here is a summary of the events : Incident Date : XX/XX/2023 Unauthorized Transaction Amount : {$500.00} Documentation Provided : Police Report Phone Report from XXXX Bank of America 's Response : The claim was denied multiple times, with escalating requests for additional documentation. 
I have exhausted all means to resolve this issue directly with Bank of America, but their response needs to be more adequate and supportive. Given my limited income and the undue stress this situation has caused, I would like your help resolving this matter quickly and fairly. 

I appreciate your attention to this serious issue and am waiting for your guidance on the next steps. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX Attachments : Police Report Phone Report from XXXX Letter I submitted to Bank of America CEO
Product: Credit card or prepaid card

I was solicited in the XXXX Airport to sign up for an American Express Delta Sky Milescard. I was not informed that the card carried an annual fee of XXXX for use of the card. I received the car a couple of weeks later. I called to activate the card and asked the phone attendant whether this card carried an annual fee for use of the card and its privileges. I was told by the attendant that she did not know if there was an annual fee and went on to say that if I would be assessed a fee that the company would nullify the fee and then I could cancel. I went ahead and activated the card. I did not use the card for any purchases. Yesterday I received the monthly statement from the credit card company which indicated a XXXX fee on the statement for use of the card and benefits. I called the number on the back of the card ans asked to cancel the card. The card was cancelled by the supervisor who said she would have to " launch an investigation '' into whether or not I would be liable for the fee irregardless. She would not confirm whether the fee would be reversed. I asked that she call me today to verify that the card was in fact cancelled and the fee reversed and as of now I have not heard from the company 's representative. I hope you can contact the company to please put an end to this misunderstanding.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.