23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a letter stating that I owe a debt which I have disputed and requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this company. Pending the outcome of my investigation of any evidence that the company submit, I have instructed to take no action that could be detrimental to any of my credit reports. I have ask the company to respond to me in 30 days or I will purse a small claims legal action against the company. I have paid a medical bill directly to my specialist office and I have contacted my medical insurance company and was informed one of the debts in the amount of {$15.00} is not valid, my insurance carrier states they have no record of the amount being submitted to them for XXXX.
Product: Money transfer, virtual currency, or money service

I wired {$40000.00} to the Robinhood exchange approximately XXXX weeks ago. When I tried to withdraw money to my XXXX wallet they restricted my account immediately. They claimed that a review of my account was necessary. I went through XXXX long phone calls with many questions and the account remained restricted. By design, they make it difficult to communicate with customer support. Through a procedure on their app I ask to be called. The response calls are not forthcoming in a responsible way. I missed a couple calls because my phone ringer got accidentally turned to a low volume. They send me procedures to get them to call me, which involve their app. These procedures do not agree with how the app works. I have told them and even sent screen shots but I get no response. I have an email for them and have sent quite a few requests to get my account unrestricted, but they always respond with the app steps to get a call back which do not work. I wonder if they are trying to keep my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2023 - remove hard enquire ( unauthorized ) XXXX XXXX XXXX XXXX XXXX remove hard enquire ( unauthorized ) XXXX XXXXXXXX XXXX I XX/XX/2023 XXXX remove hard enquire ( unauthorized ) XXXX XXXX XXXX XXXX XX/XX/2023 XXXX remove hard enquire ( unauthorized ) XXXX XXXX - remove employment ( incorrect information )
Product: Credit reporting, credit repair services, 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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I often monitor my credit report and noticed today that there are XXXX inquiries on my credit report that I did not initiate so I called both credit card companies XXXX is investigating and the other I am on the phone to make them aware that this is fraudulent activity.
Product: Credit card or prepaid card

Received an unsolicted Master Card from Barclay bank. After two dropped calls following a lengthy hold, I then held for over two hours with no one ever answering. No one responds.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting a late payment on my credit report for the month of XX/XX/2022 on a XXXX XXXX XXXX XXXX XXXX XXXX that is not accurate at all. There should not be a late payment on my credit report because I was never late. The have no provided any valid proof and I am the only XXXX who can validate this information. I never gave them permission to furnish this information on my credit report. At the moment this is causing XXXX within my life because they are ruining my reputation. They are also in violation of my consumer rights according to the FRCA
Product: Checking or savings account

My mother died intestate in XX/XX/XXXX, leaving several accounts with money balances in Capital One Bank. I became the administratrix of her account on behalf of my sister, brother and myself and filed ALL papers with a letter of instruction requested by Capital One bank on XX/XX/XXXX. I set up an Estate Fund with an EIN number and requested that Capital one write a check to The Estate of XXXX XXXX ( My Mother ) We received a case # from Capital One ( XXXX ) regarding the XXXX accounts # XXXX and # XXXX. 
For nearly XXXX  months we have filed more than XXXX emails at the address included in this complaint ; we have more than XXXX hours of recorded phone call with representatives from Capital One telling us that we should have a resolution within XXXX  days. We aren't contacted, we received no funds and we call again. This endless loop of empty promises from Capital One continues every other week. 
And not to confuse the issue, we earlier ( in XXXX ) filed the same papers and eventually after XXXX  months were told that they Capital One have no record of that filing, leading us to file the above.
Product: Mortgage

FOR XXXX YEARS AFTER FILING XXXX PROR COMPLAINTS WITH CFPB COUNTRY WIDE MORTGAGE HAS CONTINUED TO MISAPPLY MY PAYMENTS AND MOST RECENTLY APPLIED MY LARGE PAYMENT TO SOMEONE ELSES ACCOUNT. THEY HAVE CONTINUED TO FALSLEY REPORT LATE PAYMENTS TO THE CREDIT BUREUS AND I CONTUE TO SPEND HOURS WRITING LETTERS, SENDING COPIES OF CACELLED CKS, AND FINALLY CONTINUE TO NOT GET ANY RESULT THAT WOULD INDICATE THAT THESE MIS APPLIED PAYMENTS WOULD NOT LONGER CONTINUE.
Product: Debt collection

The original lender was XXXX XXXX and it was a payday loan. Now that original lender will only direct me to the company they sold the debt too. I understand that the payments were made after charge off but the payment was accepted and posted I have screenshots and bank statements. The collection company called me stating I had a payday loan which I told them I do not. I requested them to send mail me proof and they mailed the original loan information for the loan and they have failed to do so. The dates have been changed to prolong the debt, which is illegal.
Product: Credit card or prepaid card

Back in XX/XX/XXXX, I made a phone call to Citibank customer service to close my Citi AA Advantage card. I explained I was not interested in collecting miles with XXXX XXXX, paid the full balance and was informed the account would be closed. 

However, in XX/XX/XXXX and XX/XX/XXXX, I noticed several fees/interest charges on my account and realized they had sent me to collections based on a {$0.00} interest charge and other fees totaling {$38.00}. On XX/XX/XXXX I  spent several hours on the phone again trying to close this account. I spoke to at least 9 different representatives : an agent identified as # XXXX in the collection department who transferred me back to the main call center, an agent named XXXX # XXXX who transferred me to another customer service representative with a foreign accent, an agent with employee ID # XXXX who transferred me back to the main number, agent # XXXX in the collections department, account manager XXXX # XXXX, someone in technical support, someone named XXXX in the Maryland Office, someone named XXXX in a call center in XXXX and finally a customer account specialist XXXX in the customer service department. Despite all my efforts, I'm still not certain the account is closed. On my online statements it still appears open. 

One of the agents I spoke to admitted they had a record of my conversation in XXXX  where I indicated my intention to close the account, but apparently they didn't close it because we got disconnected during the phone call. When I asked to be transferred to her supervisor to investigate this, she said she couldn't hear me and hung up the phone. It is unacceptable clients are subjected to such shenanigans when they try to close their accounts. It is clear Citi is intentionally creating obstacles and delaying the process of closing accounts with the goal of charging late fees and interest. 

Stay away from Citi
Product: Mortgage

On XX/XX/year>, CrossCountry Mortgage 's payment processing vendor, XXXX withdrew {$1600.00} via ACH from our checking account. Our initial contact to CrossCountry Mortgage resulted in a research confirmation letter that indicated they were also looking into a payment for {$1400.00} applied to our loan on XX/XX/year>. This was not a payment we made, nor was this amount withdrawn from our checking account. An attempt was made to withdraw {$1600.00} from our checking account on XX/XX/year>, but was rejected because the balance in our checking account wasn't enough to clear the transaction, thankfully. If we had had the balance to cover that transaction, the total of {$3200.00} would've been the total amount of unauthorized ACH withdrawals. We have contacted CrossCountry Mortgage 4 times, 3 of those calls were transferred to their escalation team. Every member of the escalation team we have spoke with has told us they would contact us via email and/or phone. No follow up contact on these has been made to us to date. 
We filed a complaint on XX/XX/year> with the XXXX XXXX XXXX  and received confirmation from CrossCountry Mortgage on XX/XX/year> that the issue is being researched. As of today 's date ( XX/XX/year> ) we haven't had our funds returned. 
With my knowledge in consumer banking, working as a Manager in Retail Deposits Operations, I have had to coach CrossCountry Mortgage representatives on how ACH processing with the Federal Reserve works - specifically returning ACH transactions. I had to point representatives in the direction of getting their vendor, XXXX, to review the transaction. CrossCountry Mortgage doesn't show the {$1600.00} on their core system. 
To submit an Unauthorized ACH Dispute ( Reg E ) with our bank will require us to close our current checking account and open a new one. This will lead to us having to update bank info for all our monthly payments- including our mortgage payment with CrossCountry Mortgage.

In addition to this issue, we set up bi-weekly payments with CrossCountry Mortgage in XX/XX/year>. Bi-weekly payments were set up with the intention to save on interest. CrossCountry Mortgage made it nearly impossible to set this up with their process. We have discovered that although we are having the bi-weekly payment of {$850.00} withdrawn via ACH from our account, CrossCountry Mortgage is holding these funds and only applying the payment to the loan once a month. We believe this is a violation of Reg Z as it is allowing them to charge us interest while holding our funds.
Product: Debt collection

I keep getting calls from Portfolio Recovery for a debt by someone with the same name as mine. I keep informing them that I 'm not the person they 're looking for. I even gave them the last XXXX digits of my SSN, which of course, did n't match the person that they 're looking for, but they still continue to call everyday. The number they 're calling from is usually different every time but the caller ID shows that the calls are from Portfolio Recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires do not belong to me. XXXX / XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. US SM BUS ADMIN ODA, XXXX XXXX of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) TransUnion, violated my federally protected consumer rights to privecy and confidentiality under 15 USC 1681 * 15 U.S.C 1681 section 602 A. States I have the right to privacy.

* 15 U.S.C 1681 Section 604 A It also states a consumer reporting agency can not furnish a account without my written instructions Plus More violations listed below *15 U.S.C 1681 ( O ) *15 U.S.C 1681 ( i ) *15 U.S.C 1681 ( e ) ( b ) 15 U.S. Code 1692 ( f ) 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( e )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included DRIVE TIME information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

Companies aren't responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,
Product: Debt collection

This credit card debt charged off back in XXXX/XXXX/XXXX. I was taken to court XXXX/XXXX/XXXX. I could not pay. I was repeatedly taken back to court XX/XX/XXXX and XX/XX/XXXX. In which I still could not pay However in XXXX a garnishment was ordered I appeared back in court XXXX/XXXX/XXXX and an order of exemption was granted. All of these times the creditor did not appear in court for anything. From the time from XXXX XXXX up until XXXX XXXX I had not heard anything from the creditor. I received an order to garnish my wages XX/XX/XXXX. I appeared in court yet again XXXX/XXXX/XXXX. Creditor was contacted by judge and failed to answer or call back nor did they appear. I was granted an exemption. A judgement was placed against me in XX/XX/XXXX. The Statute for this kind of debt is 5 years and as It has been well over 14 years and makes it time-barred. They continue to take me to court or threaten to take me to court. They never show up but they ask for all my information. For ten years I heard nothing from them. I have worked for the same company for well over that time. The debt was never renewed I never promised to pay. I have appeared every time in court. This debt is too old to be collected on anymore. I asked that it be dismissed. They stop harassing me by threatening to take me or taking me to court. I have sent a letter to cease and desist on trying to collect on the debt because of how old it is. As of XXXX/XXXX/XXXX as they have threatened to take me to court again.
Product: Credit reporting

XXXX Debt collector did n't verify collections. No contract no signature
Product: Debt or credit management

I secure this debt management company and they have done nothing with my terms. I was paying them {$2000.00} a month since XX/XX/year> and another {$200.00} since XX/XX/year> and I had to stop paying them as my XXXX XXXX dropped to low XXXX and I have now XXXX charge off accounts and pending my employment. They never told me about my accounts going into charge off mode before they could start negotiations with my lenders and at the time I only had XXXX lender that I was struggling to pay. I have ask for supervisor to call me several times to explain how confusing this program can be and I want my money back. The sales person mislead me and I am stuck. They refuse to work with me and now I have to figure out how to get my credit back on track. I need help with this resolution and get money back.
Product: Checking or savings account

I made an online payment for a XXXX credit card balance of {$32.00} from my Wells Fargo checking account. The amount was deducted from my account per my monthly statement. XXXX claims to have not received the payment snd proceeded to charge increasing late fees and eventually cancelled the credit card. This has now resulted in a substantial drop in my credit score. Three months of trying to get Wells Fargo to investigate snd resolve the problem has been completely ineffective. All Wells Fargo has done is assign " case numbers '' to three separate attempts to get this resolved but no one has done anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a potential victim of the Equifax data security breach and I would like to make sure measures are put in place to tighten cyber security.
Product: Debt collection

Caller claimed an old account from 15 years ago that was XXXX $ telling me they will sue me for XXXX was yelling and violent behavior claim to be with XXXXXXXX XXXX XXXX, then seemed to be threatening me with the fact they have all my information somehow, XXXX  the phone number and it says they're a scam thier number is XXXX when I said I thought they were a scam they started calling me restricted approximately 25 times in a 30 minute period either hanging up right away or say mean things and hurl insults then hang up
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

me and my wife purchased this time share at XXXX XXXX on XXXX XXXX we never used the timeshare this company lied about the prices we would have to pay didnt tell us about none of these extra fees we cant afford this timeshare its never days avaiable to use time share they also didnt tell us we had 7 days to cancel they pressure us into buying a timeshare we are in the process of hiring a lawyer to sue this company
Product: Mortgage

I FILED A COMPLETED LOAN MODIFICATION PACKAGE PRIOR TO THE SALE DATE IT WAS TIMELY DELIVERED TO XXXX XXXX XXXX AND XXXX XXXX  XXXX XXXX ON XX/XX/2017 THE REASON FOR THE LOAN MODIFICATION WAS TO SAVE MY HOME THE PRINCIPAL BALANCE WAS XXXX ITS WHAT THE CONTRACT SAID THEN XXXX XXXX CHANGED THE BALANCE A DISPUTE EVOLVED BETWEEN MYSELF AND THE COMPANIES. I WROTE NUMEROUS LETTERS TO RESOLVE THE SITUATION I HAD XXXX XXXX XXXX XXXX ON BOARD TO HELP MY SITUATION BUT I KEPT GETTING THE RUN AROUND MY FILE WAS RUDELY MOVED TO PURETO  RICO AND THATS WHEN ALL CONFUSION AND XXXX BROKE LOOSE " PUERTO RICO '' OF ALL PLACES THEN I WAS TOLD WAIT ON THE REVIEW AT THIS POIN I LOST TRUST IN THEM SO I FILED A BK TO PROTECT MY RESIDENCE ON XX/XX/2017 I WAS AT A SCHEDULED BK  COURT DATE THE MORTGAGE COMPANY MENTIONED AND THE TRUSTEE ALONG WITH MYSELF WERE ALL TO BE THERE AT THAT COURT DATE I WAS TOLD BY THE JUDGE TO CONSULT AN ATTORNEY TO MY SURPRISE AND SHOCK I FOUND OUT ON THAT SAME DATE XX/XX/2017 A TDUS WAS BEING RECORDED AND I KNOW LONGER OWNED MY HOME WHILE MY LOAN MODIFICATION WAS STILL BEING PROCESSED
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2022 to XXXX, TransUnion, and XXXX. Here are my tracking numbers : XXXX, XXXX, and XXXX. However, it's been more than 30 days and the credit bureaus failed to return my investigation. I am distressed that the credit bureaus have included inaccurate information on my credit profile and that They have been unable to maintain reasonable procedures in their operations to ensure the maximum possible accuracy in the credit reports they publish. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S.Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurately 15 U.S.Code 1681i if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) Transunion has violated my rights. The FCRA, Section 602 ( a ) ( 4 ), 15 USC 1681, states I have the right to privacy! FCRA, Section 604 ( a ) ( 2 ), 15 USC 1681b, also states a consumer reporting agency can not furnish an account without my written instructions. I never provided written instructions to Transunion to furnish the accounts listed in the attached letter.
Product: Credit card

I bought a XXXX XXXX in XXXX XXXX XXXX ) on XX/XX/XXXX. I meant to buy the product in the installment payment, however the Apple Store employee did not do so. She informed me that I can still call the Apple Card and switch it. I did that the same day. 

I was not informed by the Apple Card Specialist that doing so would mean this product would NOT show up on my Apple Card Wallet. I only found this out on XX/XX/XXXX. 

Each month thereafter, I receive a charge on my card. However, this charge is not formally documented on my transactions. 

After reaching out for months, the only response I receive is that the payment is going to the installment plan by word through Apple Card support specialists. The transactions should match the amount that being charged and what I ultimately pay. I would prefer this in a formal document ( on paper and in writing ). 

The most recent response that I received on XX/XX/XXXX is for them to just emailing and physically mail me my statements, which are not accurate. 

Another related issue to this conversation to an installment plan I am unable to make more payments besides the designated monthly payment amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrect information to the credit bureaus regarding the status of my account. This is the 2nd time in just over 2 months that they have submitted incorrect information regarding my account to the credit reporting agencies. This is causing me hardship and potential monetary loss, especially in these times of covid-19. 

First of all, the account is not 30 days late as they keep reporting but is current. 

Additionally, a past due amount of {$2500.00} is being shown. I would like to see a detailed itemization of that amount. I have previously written to XXXX  numerous times regarding spurious charges on my account and no one has replied back to me. I again sent a letter dated XX/XX/XXXX and now XX/XX/XXXX asking for an explanation of this as well.