23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from the Collection Bureau of Hudson Valley in late XX/XX/XXXX regarding a debt from services rendered at the Hospital from XXXX ( XXXX ) in XX/XX/XXXX. I responded immediately by returning their form with on which I communicated that XXXX had been paid on XX/XX/XXXX ( within 3 months of the date of service ). This led me to be bewildered how there could have been any attempt to collect a debt. I also provided them with the transaction number from my bank and asked them not to contact me again. 

On XX/XX/XXXX I received a call from the Collection Bureau of Hudson Valley again trying to collect this debt. When I spoke to their rep, I confirmed they received my response to their letter on XX/XX/XXXX and that they were aware that FTC regulations prohibit them from contacting me again until they verify the debt. Even so, I have become subsequently aware that as I had already asked them not to contact me again, they should not have done so.
Product: Student loan

I was on a standard repayment plan and applied for an income driven repayment plan on XX/XX/19. I completed the initial application through FSA.gov and then submitted my pay stubs and the rest of a paper application to Edfinancial,  my student loan servicer, as required. I requested I be put into whatever income driven plan I qualified for, NOT forbearance. I received a message on XX/XX/19 that my income driven repayment request was approved. However, today, XX/XX//19 I checked my account, and instead of an income driven plan, they have put my loans into forbearance, which is a terrible outcome for me and absolutely not what I requested. I understand this is a common issue with student loan servicers and I did everything I could to avoid this outcome by following the directions I was given, and it still happened. I have sent a message to customer service via Edfinancial 's website as there is no phone customer service on the weekend, and am submitting this complaint not in the hopes this issue is rectified as soon as possible. 

Every day this continues is another day that interest is going to be capitalized on my original balances, and I am worse off than just staying in the standard repayment plan.
Product: Credit reporting

I am requesting with this notice that the following account be DELETED from my credit report. XXXX CREDIT CARD ( NOT MINE ) this is a result of ID THEFT and is causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX County OHIO that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX County Against Transunion if no results for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I stand by the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via E or evidence of my mailing address ect, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct XXXX XXXX XXXX XXXX XXXX accordance with section, of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 
XXXX
Product: Debt collection

I have contacted Midland Funding. They have a judgment against me. I asked them for information verifying what the judgment is for. They just run in circles, asking me if I am disputing the debt. I tell them I do not know whether to dispute it or not that I need more information. They say I can either accept the debt and get the amount owed or I can dispute it. I tell them I need something to show me the debt, what is was for etc. They only have the judgment and if they send me the judgment they ca n't send me the amount owed. If I ask for the amount owed, I guess I am saying that I owe the debt. They wont let me verify the debt with out disputing it. I do n't want to dispute something that may be valid. They just keep speaking in circles in XXXX. The CSR was hard to understand but was not helping me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I post this complaint to the Consumer Financial Protection Bureau, as well as every credit reporting agency in the United States. The issue is very simple to understand. According to the trade lines posted on all of my credit bureaus, those being XXXX, Equifax and XXXX XXXX collectively, it is clear that XXXX XXXX has exceeded its legal timeline to take legal action on a very old financial issue. XXXX XXXX had an obligation to auction a vehicle not once, but twice. At no time was an accounting ever submitted as to the auctioning of a vehicle, or the upset price on two attempted sales. Secondly, there are two-years cut off on my payment history. I can assure the CFPB as well as evert credit bureau that the payment history was cut off to re-age the legitimate timeline as to how long the account may stay on my credit report. Accordingly, my payment history was late from the very first year. The late payment history actually dates back to XXXX. Under the rules of the Fair Credit Reporting Act, the 7-year rule applies and XXXX XXXX is avoiding the deletion of the trade line until XX/XX/XXXX. I believe the trade line has surpassed the legal limit and should be deleted immediately. This process of re-aging debts and maintaining a persons credit rating for a much longer period is essentially holding my credit as hostage. Therefore, I believe that this is a violation of XXXX XXXX pertaining to their subscriber agreement with each credit bureau. The trade line has surpassed the 7-year legal limit as to be posted as negative or sub-standard, and should be deleted immediately and permanently.
Product: Money transfer, virtual currency, or money service

There was an incorrect digit on my state and federal direct deposit information for my tax return for 2023. Both the IRS and the NJ Department XXXX XXXX sent the refund to the wrong XXXX checking account. XXXX did not stop the deposit even though the name on the account did not match my name. The other XXXX customer took the money. XXXX knows who this person is, but will not recover the funds. The NJ XXXX XXXX XXXX will do nothing, claiming the error was XXXX 's. The IRS has stated they would put a trace on the transaction but its been XXXX days with nothing. XXXX failed to reject the direct deposit, allowed it to be stolen, and will not help me recover it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these was Collection and charge off accounts on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I has a Collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove this Collection and charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THESE FRAUDULENT ITEMs : 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 XXXX 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Checking or savings account

Someone open a checking and savings account at BMO Harris Bank in my name. They mailed me a debit card obviosuly without authorization. Its basically impossible to reach anyone on the phone without getting disconncected or sitting on hold for hours. Its truly unbelievable. They are not responding to emails. There is no BMO branch closer than 3 hours away and they keep recommending I go to the closest branch. Not possible. I made a police report which I emailed to XXXX. No response. No one will give me a direct phone number. And now my identify is stolen and THEY opened the account in my name with no verification??? Its the worst customer service I have EVER received.
Product: Money transfer, virtual currency, or money service

I wired a payment of {$12000.00} USD on XX/XX/2022 from PNC Bank to XXXX. I paid a {$40.00} fee through PNC bank. XXXX charged my real estate company XXXX fees, {$22.00} and XXXX. The amount that they deposited in their account was {$11000.00}. Making my payment {$35.00} less than expected, and making my payment essentially late. No one can tell me where the fee was charged. PNC told me that they didn't charge and additional fee but they can see where a fee came off once received. XXXX didn't show the real estate company that they deducted a fee. I send a payment every month via wire and this " fee '' or " amount '' has never been deducted before. So I feel that someone is not disclosing fees and I'm left with no answer, no explanation, and a late payment that seems to be nobodies fault. They opened an. investigation that will take 90 days, which is not helpful to me considering I have to wire more funds in four weeks with hidden fees.
Product: Mortgage

I currently have a mortgage with Freedom Mortgage. I am trying to refinance my home loan and requested a Verification of Mortgage from them. The VOM is incorrect and states that I have been more than 30 days late 2 times last year. When in fact I have never been late. I have called everyday for the past 3 weeks with no resolution. Freedom has been unable/unwilling to assist in fixing this issue or letting me talk to someone who can fix it.
Product: Debt collection

RE : FRAUD/AGGRAVATED IDENTITY THEFT XXXX XXXX  Acct # XXXX COLUMBIA DEBT RECOVERY LLC , dba GENESIS is in violation of 18 U.S.C. 894 for using my consumer report with extortionate means to coerce and swindle me into making payment on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( COLUMBIA DEBT RECOVERY LLC, dba GENESIS ) contacting me via phone calls, texts and/or emails. I did not give you permission or authorization to have my personal identifying information, which you ( COLUMBIA DEBT RECOVERY LLC, dba GENESIS ) have obtained by aggravated identity theft in accordance with 18 U.S.C. 1028A.

I am aware that my Social Security number belongs to the Social Security Administration, and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C. 8 and being that you ( COLUMBIA DEBT RECOVERY LLC, dba GENESIS ) are attempting to collect a debt from I, the consumer. This makes you ( COLUMBIA DEBT RECOVERY LLC, dba GENESIS ) guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C. 3729-3733.

This is a notice to immediately CEASE AND DESIST of all illegal activities, including reporting with constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by you ( COLUMBIA DEBT RECOVERY LLC, dba GENESIS ) into the Federal Trade Commission for aggravated identity fraud and theft.

Failure to zero out the balance and remove account within 7 days, will result in legal matters being taken and I will report COLUMBIA DEBT RECOVERY LLC, dba GENESIS to the Federal Trade Commission for aggravated fraud and identity theft.

If this matter is not resolved and adhered to by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you ( COLUMBIA DEBT RECOVERY LLC, dba GENESIS ) and this letter will be tendered as evidence of failure to comply.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a license for XXXX XXXX   for {$140.00} via PayPal. On XX/XX/XXXX, they charged me again for the software. It was inappropriate for the company XXXX to charge me again and PayPal refuses to reverse the charge. The website for XXXX   makes no mention of charging repeatedly for the same software that I have never had any use for anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX & XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Apparently, XXXX XXXX XXXX XXXX charged off debt on my credit report. I have reached out to rectify the issue, I sent a letter opting out of all consent. I would like this income removed immediately.
Product: Mortgage

We recently used Universal American Mortgage Company ( UAMC ) that is owned by the builder XXXX. It was overall a poor experience, however we had XXXX issues that were concerning and unethical. The first issue was misrepresentation by the loan officer XXXX XXXX. When she pulled our credit for the loan she told us that my credit score had gone down and we would have a higher interest rate and MIP. This was incorrect - no credit score had gone down, XXXX of the credit reporting bureaus was not reporting and they would have to use a lower score. This resulted in a significantly higher monthly payment than previously estimated. 
The second issue was with the loan processor - XXXX XXXX, who is used by UAMC to process their loan appliactions. They required my husband to call the credit card company and required him to disclose his full credit card number and the answers to the security questions with the loan processor on the phone. If he did not disclose this information then they threatened to deny our loan. 
The final issue was that UAMCXXXX pulled my husband 's credit without authorization. When the issue was resolved with my credit regarding the credit bureau that was not reporting a credit score, it was agreed with the loan officer 's supervisor XXXX XXXX that they would pull my credit score. It was very clear that only my credit would be pulled and not my husband 's. UAMCXXXX pulled both my credit and my husband 's credit. When we found out that his credit had been pulled by XXXX XXXX we contacted UAMC immediately and they would do nothing to resolve the issue. My husband attempted to dispute the unauthorized credit pull by XXXX XXXX, but they would not remove the unauthorized credit pull from his credit report.
Product: Money transfer, virtual currency, or money service

i tried to transfer money from pnc to XXXX  and it isnt letting me
Product: Mortgage

Hello, I am the attorney for XXXX XXXX, who lives at XXXX XXXX XXXX, XXXX XXXX, Iowa XXXX. XXXX provided my law firm authorization to request a mortgage payoff - she is currently in default, but has sold her home. I contacted Freedom Mortgage with a written request for payoff with my authorization. My request was e-mailed on XX/XX/2019, and I received an e-mail response my request was received. 

I contacted Freedom Mortgage on XX/XX/2019, as I had not seen a payoff statement. I was informed her loan was in default and the payoff would take 5-7 days. I explained they received my request 7 days earlier ... I've since been told they did not initiate the payoff until XX/XX/XXXX after receiving my call. 

As part of the payoff process, Freedom Mortgage has to request attorney fees from the foreclosure attorney. I have also e-mailed and telephoned the law firm requesting they provide Freedom Mortgage their fees. I've yet received a reply. 

I am currently on hold with Freedom Mortgage once again. During this conversation, Freedom advised me they will not contact their own foreclosure attorney to obtain their fees. They simply make the request. Freedom offered to give me the law firm 's contact information so I might contact them. They indicated whenever they get the information they will complete a payoff, but are not going to do anything assertive to actually obtain the foreclosure fees to complete a payoff. 

We are almost 3 weeks after the initial inquiry and still no written payoff. Please help.
Product: Debt collection

A debt in the amount of {$1400.00} from a creditor I am unfamiliar with is reflecting on my credit report. I have reports that were submitted to the FTC due to being a victim of identity theft which has lead to unauthorized accounts being opened in my name using personal information. This account does NOT belong to me and I have contacted the lender as well and made them aware of this information.
Product: Debt collection

this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and PORTFOLIO RECOVERY ASSOCIATES will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Product: Debt collection

Pretended to be law enforcement to collect a debt that I have already paid. This debt was taken from my account years ago by original owner. {$680.00} debt has been readded to my credit report stating it was from 2 months ago and it was from 9 years ago and paid. Threatened to sue me
Product: Payday loan, title loan, or personal loan

I did get a title loan from Ace Check XXXX and was paying it on time until work became VERY slow. I defaulted on my loan and did try to set an arrangement ONLY to not be able to fulfill it. I am a recently divorced mother of XXXX who has recently had to file bankruptcy to take care of my kids. I do/Will pay the debt off.
Product: Debt collection

I have received three letters from National Credit Adjusters ( XXXX XXXX. XXXX XXXX, XXXX, KS XXXX ) that claim I have a {$1400.00} debt from XXXX. I also have had several telephone calls from National Credit Adjusters. 

On XX/XX/XXXX I sent a letter to NCA saying that I had no such debt and have never had any dealings with XXXX. 

On XX/XX/XXXX National Credit Adjusters sent me a form letter that says they are enclosing copies of information I requested. I did not request information. The information NCA sent is a XXXX loan form with my name on it ( incorrect telephone number ), allegedly signed on XX/XX/XXXX ( but with no physical signature ). The IP address that I allegedly signed from is in XXXX, AZ. I was not in XXXX, AZ on XX/XX/XXXX and have never had any contact with it. 

I have checked with the credit reporting companies and can confirm that there is no such debt on any of my credit reports.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXXXXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX : {$72.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Discovery closed my account credit card for an unknown issue. It seems that an XXXX dlar amount that I didnt do was due. I was failed to contact until i answered a phone call from a recurring an unknown number which was the bank. Previously I had payed all credit card debt and I payed the remaining balance.