23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received two notices in the U.S. mail from Wilber & Associates, P.C., XXXX XXXX   XXXX, XXXX, IL XXXX. This company states they represent XXXX XXXX company, and are contacting me to pay XXXX XXXX {$1200.00}. They refer to File # : XXXX ; Online Access Key : XXXX ; " Our Client : '' XXXX XXXX ; Client Claim Number:XXXX ; Claim Location : XXXX , CA . 
I immediately called XXXX XXXX. After speaking with XXXX XXXX at XXXX, and three other XXXX employees, who all agreed there was no such claim number and no relationship between XXXX XXXX and Wilber, etc., I spoke with XXXX XXXX from the Subrogation department. 
All of these people told me that XXXX XXXX had never hired a company called Wilber or Wilber & Associates to represent them. They did pay out a claim to their client, XXXX XXXX, but were not trying to collect these funds from either myself, or XXXX XXXX XXXX XXXX, who also received a collection notice. In other words, this collection notice is an attempt to collect on a debt already paid by XXXX XXXX, and XXXX XXXX has no knowledge that Wilber and Associates is using their name in an attempt to collect more money than is due. Thus Wilber & Associates is fraudulently representing that they are employed by XXXX XXXX to collect a debt from me that has already been paid, and the account closed out. No money is owed, as it has already been paid. 

Notice how it seems legitimate by saying I can make the check payable to XXXX XXXX, but the fine print on the bottom allows Wilber to collect the money, and then destroy evidence that you made the payment to XXXX XXXX. This should be illegal and punishable ; I'm sure some loophole allows it, and hope people are not duped by this.
Product: Credit reporting or other personal consumer reports

I recently found an account on my record that did not belong to me reported by XXXX XXXX XXXX. I contacted the company requesting validation of debt and found that the account was associated with a previous number, which was changed per XXXX by SSA due to me being a victim of Identity Theft. The company stated they had retracted the information, however, TransUnion continues to report this erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending complaint to you about these accounts and I don't understand why you keep posting them on my name. I never apply for anything and I have no idea where they came from! I believe someone hacked my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been notified that the collection on my report was removed previously and they have the records that show this. Still they are allowing another creditor to place the same collection on my account after it has been removed previously. These violations should not be allowed, nor have i been given any explanation on what law allows this, whether fcra or the fdcpa, spelling could be incorrect. But i need it removed like it was previously. Please dont have me pull up my records and take this matter before the courts. The collection from XXXX XXXX university was removed, ergo it stays that way. 
.
Product: Mortgage

We have a mortgage loan with Berkshire Bank in MA. 

The loan was underwritten in XX/XX/2018 for a single condo that we own which is in a condo trust with a total of 3 units. 

The Bank has asked for Master Insurance folder on XXXX. We sent them on XX/XX/XXXX the most recent folder from the Insurer. We have a written response back from the Bank stating that they received the folder. 

However, in the last two months they have increased our escrow amount due to missing master insurance. I have talked to the Bank three times now and to the person who has received the folder twice. 

They still could not fix it in their systems and we look like we are behind our mortgage because of the arbitrary increase in the escrow account the bank imposed.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$91.00} XXXX XXXX XXXX Balance : {$880.00} XXXXXXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Debt validation request was submitted via certified mail XX/XX/23 and to date no response has been received.
Product: Credit card

Ive been trying to keep up but the interest rates Ill never catch up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

2. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft TOYOTA MTR Account Number : XXXXXXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2013 Balance {$1200.00} XXXX Late Dates XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2013 Balance $ XXXX Late Dates XXXX
Product: Debt collection

They sent a letter saying they were suing me for {$4000.00} ..no original creditor. In accordance with 15 US Code1692 c
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto Finance company changing loan and payment dates to credit bureaus ( all three ). Loans is over 8 yrs old and was due to drop off report. Finance company changed dates to keep them on m y report for another 2 yrs. Filled complaint with XXXX to no avail, even though they know this loan originated in XX/XX/XXXXand was due to drop off in XX/XX/XXXXthey are not dropping the loan
Product: Checking or savings account

I try to cash my checks from work and they have held my checks causing me late on payments XXXX weeks in a row. As well as when I first joined Wells Fargo the amount of fees I received for low funds is ridiculous. I havent had a worse time with a bank. And Im definitely getting another bank
Product: Credit card

I purchased an airline ticket for a convention I needed to be at in XXXX. There was an offer for a discount on the ticket if I applied for their credit card. I got the card and purchased the ticket, for a total charge on the card of {$2200.00}. I later lost the card that was sent to me and requested a new one. The customer service agent asked me about a balance transfer. I specifically stated that the only charge on the account was the airline ticket I had purchased, stating that should be the only charge on the account. The agent then filed a dispute, that I did not request, with the airline resulting in my ticket being cancelled, without my knowledge or consent. I was made aware of this only days before my scheduled trip when I received a notification that my credit card balance was now XXXX. I reached out to both the credit card and the airline, both of whom blamed the other party for the problem. I was forced to purchase another ticket, then change that flight, get a bit of a refund to the card from the airline and finally was rescheduled back to my original flight. The one I agreed to pay {$2200.00} for. Since then I have been trying to get this settled with the credit card company. I have paid nearly the total amount of the original {$2200.00} for my flight yet my balance is still almost {$4000.00}. For a {$2200.00} flight. I have spoken with multiple agents, over many months and it seems each time I do, my balance increases. This has been a very distressing situation. The credit card agent made the mistake and yet the credit card company is charging me three times the value of the ticket I purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN did not comply with a proper investigation when I disputed the fraudulent late payments from the Department of Education/XXXX on my consumer report. I am entitled to verifiable information and proof of a proper investigation pursuant to 15 U.S.C. 1681i ( a ). EXPERIAN is in violation of my Federal rights because I have alerted and made EXPERIAN aware of the fraudulent, inaccurate and unverifiable information on my consumer report multiple times and they continue to report these fraudulent late payments.This is causing me a great deal of emotional distress. I have attached a pdf document to this complaint which includes all the violations and reports which show the inaccurate balance and information reporting between EXPERIAN and DEPT.OF EDUCATIONXXXX. Look at these inaccuracies : 1. DEPT OF ED/XXXX **** {$3800.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$3500.00} 2. DEPT OF EDXXXX **** {$1500.00} ( 6 lates ) XXXX XXXX and XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$1300.00} 3. DEPT OF EDXXXX **** {$1900.00} ( XXXX lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$1800.00} 4. DEPT OF ED/XXXX **** {$3700.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$3500.00} 5. DEPT OF EDXXXX **** {$7000.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$5800.00} The inaccuracies of reporting by EXPERIAN are above, how did EXPERIAN verify these accounts and are reporting the wrong balance? How can I be confident that they are doing a proper investigation? They are NOT. 

EXPERIAN did not comply with a proper investigation when I disputed the fraudulent late payments from the Department of EducationXXXX on my consumer report. I am entitled to verifiable information and proof of a proper investigation pursuant to 15 U.S.C. 1681i ( a ).

I have also attached an FTC complaint and will follow up with a complaint to the Attorney General of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

Summit financial says I was late on car payments XXXX/XXXX/XXXX days when I ws under a chapter XXXX since XXXX/XXXX/XXXX. They we 're paid through the trustee so there 's no way try were payoff late.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. the grounds for removal they also violated my rights under 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 also the credit bureaus took more than 30 days to complete my investigation here and they are still not removing all the hard inquires late payments that wasnt late and and closed accounts that haven't been removed yet
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with Equifax. checking all data this has been an reoccurring issue. please review an check all info that needs t be deleted. all data is in the files.
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 Account Number : XXXX
Product: Mortgage

Thanks to Covid I had reduced income due to being a XXXX XXXX. US Bank was more than willing to be helpful during that process and granted me a forbearance on the loan. XXXX of 2022 I was ready to resume paying on the loan and they did a loan modification and lowered my payment to {$790.00} ( I'm not sure of the exact change ) and I made my first installment payment on time. Then I go to make my next payment and it's rejected. I called after I had received new modification applications confused as to why I was receiving them and was told not to send them again, that everything was fine. But when I go to make the payment over the phone I was told that an underwriter decided a signature was illegible and that my modification application was denied, even after I had already made the first payment. Then I had to go through applying all over again. This time they made my payment {$400.00} higher than what it originally was. My paychecks are only XXXX at best. That new payment option is more than an entire paycheck. NOT AFFORDABLE. Now I'm currently dealing with a wage garnishment, also due to COVID, and I've told US BANK this and they chose to ignore it. I'm a single mother, desperately trying to save my home and US Bank keeps offering me only options of {$1100.00} or higher in the repayment offer and expect the first payment before I even get paid again, then another payment 2 weeks later. I can't afford that. I tried asking for another forbearance and reverting back to the last approved payment amount of XXXX they won't approve that either. I've asked to speak to someone about this and I keep getting told no. So now I'm escalating my complaint.
Product: Credit card

I 'm contacting the CFPB as my final resort as I 've been contacting Amex numerous times regarding my Platinum Card which I was approved on XXXX XXXX, 2016. The promotional offer associated with the application included receiving XXXX Membership Rewards ( MR ) points after making {$3000.00} in eligible purchases on the card in the first three months of Card Membership which I did. I have a legitimate business and use several credit cards to spread out my expenses and have a track of them. I also use them for my personal consumption and have always been a good customer in that regards as I 've never had a single collection or missed payment. Amex ( American express ) has stated to me that the reason why I had a XXXX clawback is because I had returned items. I 've explained that I 've made purchases for more than the required {$3000.00} spend and that even with the returns, it still counted for the promotional offer. As our phone conversations are always recorded, amex could easily listen to them and hear that the first agent that opened a case acknowledge that even with the returns, I should of been entitled to those bonus points. A few weeks after, I called back to check on the status and an agent said that it was n't due to returns but also because of spending ineligibility. I would like for amex to prove how would those spending be ineligible. It seems that they are trying to deny my bonus for any reason they seem to have on the day of calling. Furthermore, I must say that my points were not redeemable for any partner transfer and were locked and frozen and that I had to wait 6-8 weeks before getting an answer on my case ( which ended being much longer than that as my points were taken back on XXXX when I had originally applied on the XXXX, so 14 weeks total, another promise that was not fulfilled from Amex. I am simply requesting to have those points back into my account as I was advertised. 
Thank you
Product: Mortgage

On XX/XX/XXXX ServiceMac sent Loss Mitigation Application, hardship affidavit, which were submitted online on XX/XX/XXXX. request of 1 month paystub, 2 months bank statement, utility bills, HOA statemtn which were submitted on XXXX. 
During a call on XX/XX/XXXX above docs could not be found by company reps. Another call on XX/XX/XXXX they still couldn't find docs eventhough they could be viewed on their website. Sent whole package by USPS on XX/XX/XXXX received by company on XX/XX/XXXX. On XX/XX/XXXX company requested to resend bank statements. Done via USPS on XXXX.Another call to company on XX/XX/XXXX and was informed to send an all new package signed and dated incl. paystub and bank statements. Said it has to be done every 30 days according to CFPB rules. This was the first time it was mentioned between XXXX and XXXX. New package sent on XX/XX/XXXX. Received by Company on XX/XX/XXXX. 
Amount due to reinstate loan as of XX/XX/XXXX {$12000.00} ( interest rate 4.6250 % ) Amount due to reinstate loan as of XX/XX/XXXX {$16000.00}. 
I could have been making payments since XXXX XXXX but company is stalling. 
On XX/XX/XXXX company sent someone to verify if house is occupied. Broke in.
Product: Debt collection

i did not apply for this student loan or owed to ABILITY RECOVERY SERVI collection services XXXX ...
Product: Bank account or service

on XXXX/XXXX/15 i went to the regions bank XXXX, ga XXXX to cash a {$100.00} check drawn on their bank. they insisted on charging me a 2 % fee ... if this check was drawn on another banking institution, i can see them charging a fee. i just think it 's plain wrong to have to pay a fee to the bank the check is drawn on.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is loan showing on my credit that does not belong to me. I have submitted 2 disputes with Equifax on XX/XX/21 and XX/XX/21. Each time they have completed and closed their investigation confirming the account belongs to me. No information is being provided to me to confirm this debt is mine. I have contacted the company XXXX myself via email and calls. Over the phone they have not been able to locate an account with my personal information. I sent an email, no response. I contacted the XXXX on XX/XX/21 with no response from the company. I dont know how else to let Equifax know this account does not belong to me.
Product: Debt collection

On XX/XX/2021, I received a letter from Debt Recovery Solutions , LLC regarding a debt they say I owe to them in the amount of {$880.00}. On XX/XX/2021, a letter of validation was sent to Debt Recovery Systems LLC giving the company 30 days to respond. The letter was received by their office on XX/XX/2021. On XX/XX/2021, I received a letter from DRS along with a bill from the hospital they say is the original debtor reflective of my personal information along with a description of what I was seen for. On XX/XX/2021, I sent another letter for debt validation ; requesting a response within 15 days of the date of said letter. the company was in receipt of said letter on XX/XX/2021. To date, no response has been received from DRS regarding validation of a debt they say I owe to them. Not only has the company not responded within a timely fashion but, they have also violated my rights under HIPPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a company called XXXX XXXX Showed up as an Inquiries on my credit report. I was not looking for any credit or loan for the last 6 months so no one should be pulling my credit. I immediately called Experian and ask them about it and why do n't the inquiries have a telephone number on it so I can call and see who pulled my credit and why. I also put a lock on my credit to make sure this does n't happen again. It is a very comfortable and scary when company pull your credit without your permission because it could be someone trying to get a credit card or a loan in your name without you knowing. Whoever company did this pull my credit did it without my consent and I want the inquiries to be removed from my report and a notice sent to them that this inquiry was fraudulent because I was not looking for credit from anyone during this time. I did a dispute with Experian and ask them to remove this inquiry. No company should pull anyone credit without your consent no only it violates someone credit report, it takes down your score up to 7 points and also can look at as if you were looking for funding and most lender look at recent inquiries as a negative thing that can stop you from getting funding. No good lender want to give you funding if they think you just got funding, they are basing your debt on what you have at that time. The second pull from XXXX XXXX is on XX/XX/XXXX I am not sure where that came from because it is 7 months ago. Be I am 100 % the first one on XX/XX/XXXX was not done by me or my consent.
Product: Debt collection

I contacted XXXX XXXX to pay off a debt that is incorrectly being garnished from my federal XXXX annuity. Total due was {$480000.00} My check has been garnished since 2021 but I noticed that the total amount was wrong. But, in order to stop garnishment, I was willing to pay the TOTAL AMOUNT DUE. The collector said that he wanted an additional XXXX in collections fees to close the debt. after trying to explain I had paid two years of collection fees and penalties, that there is no need to incur fees when i am coming today to pay the debt owed to AAFES XXXX XXXX XXXX in full today. They refused to take my money. I guess they know that if I dont pay, the will receive thousands of dollars in future collection fees. This is a debt collector hired by the government to collect a debt. I am willing to pay off the full balance. I tried to call the orginal creditor and they refused to take my full payment as well. Im a XXXX veteran, I have very little money. I am trying to make good on a debt and they wont let me pay it off. Is this what I served XXXX for? Really?
Product: Credit reporting or other personal consumer reports

Someone is trying to steal my identity. My info has been compromised through several breaches. I have asked Equifax fraud department to remove the numerous inquiries from my report that do not belong to me. They are in direct violation of the FCRA. I am asking the CFPB help me get this resolved and the following inquiries removed from my report. 

XXXX. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS WITH THIS BANK
Product: Mortgage

I have requested our mortgage lender, OCWEN Financial, cancel our PMI because we should be qualified to do so at this time. I have emailed them 3 separate times and they have continued to ignore my requests. What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

The background check for my job showed that my case happened in XXXX. It happened in XXXX and finished in XXXX. Also it said it was job related but it had nothing to do with work in any way. It was a hunting accident.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX XXXX is also reporting XXXX old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of XXXX XXXX XXXX. At no time, have I ever had any written correspondence from XXXX XXXX XXXX XXXX XXXX