23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in NYS but in the City of XXXX as well. 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA. 

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices. 
Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX XXXX Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX XXXX and XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY 140-1License required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''
Product: Credit reporting or other personal consumer reports

I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score. Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and business addresses of each individual whom you verified and validated the above information with, so that I may follow up accordingly. Additionally, please send me an updated copy of my credit report after completing your investigation. 
Account name : XXXXXXXX XXXX XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

I am lodging a formal complaint today to report that I have fallen victim to fraudulent activity. Upon conducting thorough research on the appropriate steps to rectify the fraudulent entries in my credit report, I discovered the necessity to file an identity theft report with the FEDERAL TRADE COMMISSION at https : //www.ftc.gov. As per FCRA section 605b, Credit Reporting Agencies are mandated to expunge any items listed on an identity theft report. Enclosed herewith are the relevant documents to facilitate the removal of the erroneous information and fraudulent items that have been inaccurately posted on my report..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 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: Credit reporting or other personal consumer reports

I am writing a complaint about incorrect information on my credit report which is showing XXXX late payments on this account XXXX XXXX XXXXXXXX. 
I was never late on my payments and never notified about it. Please investigate and send me the proof of this lateness otherwise delete this information from my report.
Product: Credit card or prepaid card

Last XXXX XXXX Th 2020 I was at Macys to purchase a XXXX gift for my husband-watch that as on sale reduce down to XXXX with a store credit of XXXX on my credit card. My credit card limit is XXXX. The bill came with tax to XXXX. But the machine refuse to deduct the XXXX store credit which would had reduced my purchase. That would had come down to XXXX. The store clerk tried numerous times to get it to reduced my bill using the store credit ( which she could see was on my credit card ). But couldnt do so I had to use a different method of payment. 
I called this wk and spoke to a Macys customer service personnel. When I explain what had occurred she said that as their policy not to reduced the bill even though I had store credit because my bill was over my limit. I told her when you used the store credit toward the bill it was below my store credit. She even refused numerous times to allow me to speak to her supervisor. 
So I contact you and was given options on the best way to file a complaint. 

My question-is this legal? Where I work figs is not allow.
Product: Mortgage

My wife and I have a mortgage through PHH. Over the past five years we have watched our payment move up from around XXXX to around XXXX. Yesterday we received a bill for a payment of around XXXX. After calling the mortgage company their explanation was that our home insurance had increased from around XXXX annually to over XXXX. They also us claims dealing with increased taxes and expected increase in escrow. Is this legal? I felt our contract was a 'contract ' and not a liquid form. There is no way we are able to make these types of payments. I did call my insurance provider and found that because we had wind damage claims that XXXX XXXX had increased our insurance to that claimed amount of over XXXX. My wife and I are both retired. Could you please help. thank you.
Product: Mortgage

I have contacted BOA on numerous occasions, by phone, email, and mail. I have also created numerous disputes online. My BOA account was sold to XXXX XXXX  XXXX in XXXX, my BOA account is still currently reporting to the credit bureaus incorrect information. In XX/XX/XXXX BOA showed a 30 day late, this account was not serviced by BOA in 2 years and the account hasn't been late in over a year. How BOA is showing a late is unknown. Also XXXX XXXX has since gone through and included all reporting of the mortgage since I originally  obtained the loan in XXXX. So I now have lates showing up on my credit from BOA in XX/XX/XXXX which isn't correct ( wasn't late ) but also have double reporting of negative lates in XX/XX/XXXX-XX/XX/XXXX. 

I have spent countless hours on the phone trying to resolve this issue, XXXX went through the account and provided an accurate report of lates as they are now servicing the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian because I was having problems logging into the account. Prior to this contact, I had never had any problems wit, h my credit profile or any fraudulent activity. 3 days after speaking with an Experian customer service representative, I was altered that someone had opened a XXXX XXXX /XXXX account in my name. I had not used my credit or left my home the entire weekend. I began to trace my activity and remembered the call made to Experian on XX/XX/XXXX. On Saturday XX/XX/XXXX I contacted Experian and tried to place a fraud alter but was told I could not as the Department was closed over the weekend. I then asked to speak with a supervisor to discuss the sensitivity nature of my suspension. I was put on hold by customer service rep. XXXX and he never returned to the line. I hung up and repeated the call and spoke with customer service representative XXXX. She stated she would put a call alter on my file, but I was denied to speak with a supervisor and was told I had to put in a 24 to 48 hour request to speak with a supervisor. She also stated I had to call back between XXXX toXXXX Monday through Friday to place the fraud claim as she stated the Department was closed. 
On Monday XX/XX/XXXX, I contacted Experian as I was transferred over 5 times before speaking with XXXX in the fraud Department ( XXXX XXXX XXXX. I again explained my dilemma and concern regarding my XX/XX/XXXX experience with the Experian customer representative. I was placed on hold for several minutes at a time only for the representative to return to the line with various excuses as to why I couldn't speak with a supervisor. 
I have yet to speak with a member of management to address my concern of how my credit profile was breached.
Product: Mortgage

Back in 2010 we were XXXX of the XXXX victims described in the Flagstar Bank lawsuit that has since been settled. We were strung along for months trying to get a loan modification, only to be denied. The entire time Flagstar Bank was telling us they were processing our paperwork, they were also going forward with the foreclosure. An agreement wasn't reached until the day before our home was to be auctioned off at the court house in our hometown. We ended up re-working the loan, which added back in all of the past missed payments, lawyers fee 's, etc. We had to take it because we didn't have a choice. The reason i contact you today, is because i have just learned of this settlement, and we were never notified. I understand if too much time has passed, but i just wanted to check on it. We were wronged, embarrassed, and suffered lots of sleepless nights and marital problems and we feel we were never given an apology of any type or Flagstar admitting any of it's wrongdoing. 

Thank you!
Product: Mortgage

In XX/XX/2019, XXXX XXXX XXXX transferred my Home Equity Line of Credit to Specialized Loan Servicing. I have always had my XXXX XXXX XXXX checking account automatically debited to pay the XXXX XXXX XXXX   HELOC. When they transferred my loan, they stopped the auto debit. I also always pay an additional principal amount on my own to reduce the balance. When they stopped the auto debit, I paid it online, along with the additional principal amount. Specialized Loan Servicing has not credited my account correctly since this loan was transferred. They sent me a statement reflecting the total amount I paid and placed it in a suspense account. I have called numerous time trying to resolve this. They told me to send an email with my issue, plus attach my previous XXXX XXXX XXXX statement. 

I have done this, I keep calling and asking for a supervisor. They place on me hold and nobody comes back on the phone. They were showing me past due one month, now they are showing me past two months. I have paid XXXX, XXXX and XXXX. I was about to pay XXXX today, but they are now reflecting two months past due. This is extremely stressful, as I have never been past due on my mortgage. I also have called XXXX XXXX XXXX, but they say can not assist me, since the loan has been transferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Checking or savings account

The company had false advertisement to allure new customers to open a new account with them. They declined the {$400.00} open account bonus that I am entitled to get. Their offer terms on the website says " earn your {$400.00} business checking bonus by opening a new business checking account between XX/XX/XXXX and XX/XX/XXXX ''. I entered the promo code for this program and submitted my application online on XX/XX/XXXX at XXXX. - I had a screenshot when this was submitted and their system had incorrectly shown that I applied on XX/XX/XXXX - that's their IT problem. And before it expired they webpage took my promo code without a problem and it was showing that I would earn those {$400.00} by meeting the terms which I did. I had called the bankers a few times and they acknowledged that I applied on XX/XX/XXXX but it was then approved on XX/XX/XXXX giving them the reason to decline. I disagreed with that statement as the terms said " opening a new business checking account '' meaning to initiate the application. 

They also stated that I did not meat the " five qualifying transactions within 60 days of account opening '' where I did have five qualifying transactions. Their bankers however, did say that I met the qualifying transactions. 

All terms were met and it really shouldn't be this hard to get {$400.00} as initially promised. I really don't want to get to a route that I would need to go to a small claim court in order to get this {$400.00}. It is just not professional to allure new customers with bonuses that they won't offer.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

MIDWST RCVRY {$500.00} XXXX XXXX XXXX XXXX XXXX They claim from about 7 years ago and just appeared on my credit report XX/XX/2017 I disputed and added a fraud alert to my XXXX  and XXXX XXXX reports and also disputed with MidWst RCVRY  who claims I need to file a police report after all these years ... this is not mine. I had roommates years ago who could have accessed my info and accounts. I want this removed ASAP as it is affecting my credit & I just had begun building it, as a single mom putting my XXXX of XXXX through college. I could lose my ability to help her. I have other debt that I have no problem paying for, but this is unfair to add an account that no police could investigate this many years later and why are they just now doing this? Fraudulent. Unfair. I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax fails to mail free credit reports when requested from ( XXXX ) XXXX I did not receive it this year nor last year. My husband did not receive his either. 

We have no problem with XXXX or XXXX. 

They make it difficult and time consuming when you complain. 

On XX/XX/19 I dialed ( XXXX ) XXXX and requested my free annual credit report from Equifax by mail. It never arrived. I phoned Equifax on XX/XX/19 and they needed to verify me. I spoke to supervisor XXXX # XXXX I answered reasonable questions : name, address, SS #, DoB, etc. 

Then had to answer : Name of company and recurring amount paid. 
I have no recurring amounts, I explained I pay balance in full each month. 
I gave them a bank and minimum required as listed on my bill. 

Last time I filed a dispute. 
I am XXXX. I don't recall ever filing a dispute with Equifax. 
I told them the date on the letter they sent me when I filed a fraud alert. 

I told them the date I filed a credit freeze. 

I also gave them the reference number from last year 's report. 

They said they could not verify my identity and I would have to send them 2 forms of ID by mail or FAX. 

They have consistently failed to mail free reports. 
Please investigate their practices and have them comply using normal procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  continues to report inaccurate information even after original creditor requested removal. I have made multiple disputes to have this removed. On XX/XX/XXXX Syncrony Bank requested all three credit beauros to update the Synchrony Bank Credit card as paid in full and remove 4 late payments dated XXXX. XXXX  and XXXX  complied with the request however XXXX  has not. On XX/XX/XXXX I filed a dispute through XXXX  online dispute center. I provided the affidavit with the request to correct the derogatory account and remove the reporting of late payments from XXXX. I received the results of the dispute on XX/XX/XXXX and the information had not been updated to correctly report the information. Additionally, I filed a report with the Consumer Financial Protection Bureau. XXXX  responded to the dispute stating that they would investigate and update the information accordingly. They have yet to update. On XXXX XXXX they updated the account still reporting the innacurate information of 120 day late payments from XXXX. 

Your Desired Resolution : This information on my credit report needs to be corrected immediately. It is currently preventing me from getting a home loan. It is an absolute failure and is placing an undue amount of distress on myself and my family. XXXX  must remove late payments dated from XXXX on the XXXX XXXX XXXX credit card XXXX 

This case will be reviewed by a complaint specialist at the XXXX  XXXX  XXXX, and then forwarded to the business for their response. It is our policy to allow the business 30 working days to respond to your complaint. You will be notified when the business has responded.
Product: Checking or savings account

Wells Fargo allowed for money transfers from my savings account to my checking account remotely after I had already reported my debit card stolen and they were suppose to turn off the card. They allowed {$11000.00} in XXXX XXXX. I went to the bank where I was going to withdraw money and they told me I had insufficient funds in both my checking account and savings account. The XXXX at the Wells Fargo had me come in and expressed to me how this was all their fault and how I would have my money back within XXXX days. I filed a claim with the fraud department and it took nearly XXXX  months for them to deny my claim. Then a XXXX later they allowed some more transactions to go through on the same card that was stolen and a check that I had put a stop payment to go through for another {$2000.00}. I filed a police report immediately after my card was stolen and cancelled my debit card and there was suppose to be a freeze put on the account. When I opened the account there were not suppose to be any transfers made from savings to checking at all without coming to the bank in person. I have tried to contact Wells Fargo to have them rectify the situation to no avail.
Product: Credit card or prepaid card

On XX/XX/2020 I opened up a XXXX credit card and made a purchase of {$1900.00}. The point of me opening up this credit card was to receive the 0 % financing over 18 months that the card offered on purchases of over {$1400.00}. Later I came to realize that from the beginning they charged me interest on my purchase. When I brought this to there attention they told me that too much time has passed and they cant refund the interest they charged me and continue to charge me interest.
Product: Credit card

I applied a Capitalone Venture One Credit card on XXXX XXXX, 2015. Before i applied, i chatted with Capital One 's online customer rep called XXXX for detailed information and benefits of this card on XXXX XXXX, 2015. During the chat, XXXX promised that I will first get XXXX miles reward if I spend {$1000.00} within 3 months and besides that another offer for XXXX rewards miles if i spend at least {$3000.00} within 3 months and he mentioned several times it is the benefits for Venture one credit card. Actually the link i used to apply for Venture One credit card was sent by XXXX and he offered me this XXXX bonus miles before I even asked for it. After the chat, I saved the chat history as a PDF proof. 

Now two months later, I have already spent more than {$3000.00}, and got the first offer of XXXX miles in my account but still have n't seen the second offer for XXXX miles so I contacted online customer rep to check if they can apply it. However, they refused the XXXX rewards miles offer and said it was just a miscommunication and ignores my online chat history as the proof. I continued to talk with customer rep supervisor XXXX but still got the same answer. I feel it is unfair that customer was told differently when tried to apply the card and after you got the card, Capital One changed their mind and refused to give you the original offer they provided, even though I have the proof of the original online chat offer history showing that I am eligible for the offer, so I would like to seek help to see anyone who can help me with this