23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been reaching out to XXXX over the past year about a {$3300.00} debt they claim that I owe. I have responding to them via mail as well as phone in regard to the about of phone calls I have received as well. 

They debt is currently with an in house collection they use named XXXX XXXX XXXX and they have been contacting me via phone since XX/XX/17 prior to then it was XXXX calling ... .. 

Upon calling I am always informed that this debt will continuously report on my credit file and that handling it would clear up any negatives. The inital debt was {$2500.00} ; however, it is now, {$3300.00} and they have stated it will continue to increase the longer I go without paying them. 

I have exhausted all options and everytime I request verification or validation I am sent a phone bill and they always state they will no longer communicate with me until I am willing to make payment.. 

This negative account is really affecting my credit rating and ability to obtain employment.
Product: Mortgage

In XXXX of 2008 I called my Mort co. GMAC to inquire about the Modification process from a letter I received from them. They told me I had to be at least 30 days behind before I could start the process. I explained that I have never missed any payments on anything and did n't feel good about being late on a Mort payment. They said it would only take 30 days or so and I should not worry about bad credit. Well that was the beginning of my 18 month nightmare!!! I have a Mort brokerage education so I knew how to put together a loan package for mortgages. After they received the completed loan doc 's they kept requesting the same information time and time again. I faxed them my tax returns alone at least 5 times. After XXXX temporary 90 day payment plans they said they were going to come up with my new modified payment. But that did n't happen. After 18 long months of not knowing what was happening with my Mortgage I finally got a letter stating the modification was denied because they could not figure out my income!!!!!! What!!! They said I had to back pay all my missed mort payments as well as late fee 's, penalties and random inspections ( to see if I still lived here ) or they were taking my Home. I had to sell over {$60000.00} from my XXXX and pay early withdrawal penalties and taxes and hand that money over to GMAC. I paid the mort the next 12 months and then hired a lawyer to help me with the modification once more. After almost 3 years of sleepless nights I finally got the modification completed. GMAC has since sold my loan to OCWEN and I did receive a {$500.00} check from GMAC for any wrong doings with the modification. I 'm now XXXX yrs old had to start my XXXX back again because the market was down almost 50 % when I sold and took a huge loss just to pay them. They knew what they were doing they knew how much money I had and they deceived me at every turn. My Loan # XXXX same # as when GMAC owned it but now OCWEN loan servicing has it there # XXXX. After the modification GMAC divested itself from any of these mortgages. They should be held accountable for the time and money I had to spend just to lower my mortgage to the current interest rate. That 's all I wanted in the first place.
Product: Checking or savings account

On XX/XX/2022, at XXXX am I received a text message on my phone from what appeared to be the United States Postal Service. The message stated [ The postal ] You have filled in an incomplete address and your item can not be shipped to the currently filled address with a link attached XXXX XXXX XXXXXXXX  Once I clicked on the link I was directed to what appeared to be the USPS site where I was asked to enter my information to update my address. Once I entered my address I was think asked to pay a {$3.00} fee to update it. Once I entered my payment information the charges began. The scammer tried to charge my card for numerous transactions totaling up to {$16000.00} however they were only able to get {$3600.00}. The other transactions were stopped by the Bank of America and they canceled my card and sent me another one. I'm not sure why they would let one transaction go through and stop all the other transactions. I am a victim and I have suffered anxiety, and emotional and financial issues as a result of this case. I have been trying to get my money back from Bank of America for two months with no help and concern from my financial institution. I have sent in police reports, proof of the incoming text message, and the web page I was directed to and the only response I'm getting is a denial saying my proof doesn't prove fraud and to provide more information. They're not specific in telling me what information I need to provide as well. Nothing is good enough for them. I'm not sure what else to do or give them that I have not already given them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX I've been a victim of identity theft I was trying to rectify the situation by calling all three of the bureau 's Equifax XXXX and XXXX I wasn't able to rectify the situation I wasn't able to get in touch with anybody I've been put on the whole for about morning 30 minutes each time I would like help with this situation thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I filed a dispute with cashapp ( square inc. ) that included approximately 81 transactions totalling approximately {$4700.00}. There were 2 different sites that made several withdrawals each on my account, XXXX XXXX XXXX and the other was XXXX. I was informed when I filed the dispute that I would receive an update within 10 business days. I spoke with customer support through the app to find out if there were any updates on a couple of different days. This is the only way you can communicate with cashapp. I have asked for a phone number or email to someone that can help me however I get the same response from all reps, " your case has been escalated " which must not mean anything. Today is XX/XX/21 and XX/XX/21 was the 10th business day and still I have not received any updates from cashapp ( Square Inc. ) When I went to support in the app I received the same response as any other time. Its been escalated. I very much appreciate any help you can offer me. My family and myself desperately need our money returned asap. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a very old student loan about 14-16 years old with XXXX. I recently applied for a home loan and there are an insane amount of late payment marks on my credit record from several years ago. I didnt understand how 9 late payments can result in 36 negative marks. I had one account number with XXXX. One monthly payment. I contacted them and said perhaps its a mistake they produced the late payment notice that were sent to me for the ONE account. This is extremely unfair. They dont send notices for each of the four loans if you are told you have one account one late payment, then mark my record one time. As a consumer receiving bills and notices for a single account you have no way of knowing you actually have four. they take your one account and distribute the payment into 4 debts. They never notice you of being late on 4 accounts or however many funding sources you have. If they what to mark your credit for four accounts then the consumer should have the right to a separate bill and notice for each account.

I have one account with them. XXXX # XXXX. If you see all my statements all my notifications were for one loan that is loan # XXXX. They acknowledge its one Loan and one account. How is this okay? If I missed a payment then they should report one late payment under this account. But, they reported four late account payments. Because there are 4 funding sources for my one account # XXXX. A consumer should be informed. A consumer should know that missing one payment is actually going to result in 4 payments missed and four accounts becoming delinquent. But, they send one statement! Unless you know their policies you wont find out until you look at your credit report. This is very unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX at XXXX XXXX XXXX, GA XXXX there are several inaccuracies on my credit report. There is an XXXX  XXXX account that has been previously paid in full it's being reported inaccurately. I'm opening a XXXX and checked my report and to my dismay. I've seen things unbeknownst to me. here are the other accounts that inaccurate : XXXX XXXX XXXX   XXXX XXXX this account was resolved prior to the collections process. XXXX XXXX XXXX XXXX XXXX XXXX this service was also paid in full prior to the collections process.XXXX   XXXX XXXX ... xxx, xxx, these account don't belong to me. XXXX XXXX XXXX is unrecognizable and doesn't belong to me. XXXX XXXX is also an account that does not belong to me. XXXX  XXXX is another account reporting inaccurate information and then same account is reported multiple times.XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, is reporting inaccurate information and there are several accounts attached under this company name.XXXX  XXXX XXXX XXXX. US DEPARTMENT OF EDUCATION XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, these accounts are paid as agreed and not in any stage of collections.I 'm npt sure why these accounts are appearing this way. I believe that its identity theft or fraud.
Product: Credit card

I have invested a significant amount of time on the phone with my credit card company ( Citi ) disputing fraudulent charges on my card/account. I initially booked a car rental through XXXX for a total amount of {$54.00}. However, the car rental company charged my credit card a security deposit of {$460.00}, which was supposed to be refunded upon the return of the vehicle. After 72 hours, I contacted the rental car company for confirmation and was informed that their policy allows for a refund within 21 days after the vehicle is returned. 

It has now been over XXXX months, and I have yet to receive a refund of {$410.00}. I have made several attempts to contact the merchant to resolve this issue. Additionally, my experience with my credit card company " Citi '' has been frustrating. They have handled this matter with a lack of urgency, proving inconsistent information and, on several occasions, transferring me to the wrong department or disconnecting the call. I have spent countless hours trying to resolve this issue with my credit card bank " Citi '', a company that is expected to protect its customers. This entire experience has been exceedingly distressing.
Product: Checking or savings account

My dad stole over XXXX $ from me and has since passed away, I had contacted them way prior to now and all they said was well since the number on the account approved the transactions you cant get your money back shocker it wasnt my phone number. In my first complaint with you guys I called the woman and laid out my issues because that back account is now closed but they can still access it she said told me I was t allowed to access the account because my name isnt on the account so basically oh well which is insane to me when were talking about fraud and over XXXX $ taken. The bank clearly from both responses just doesnt want to pay back I think j thats been made very obvious by their horrible responses
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I applied for a tittle loan I received a loan of XXXX but I was unaware that they used my boyfriend income for the loan I field out a application I told them I was unemployed at the time they told me that didn't matter I didn't not know they put me down as reiciveing SSI and ssa I don't receive any of these it was my boyfriend 's information so therefore I believe they misrepresented the loan now I can't get my tittle or tags and insurance for my vechile
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$3000.00}, {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 


-- CLOSED ACCOUNT 3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document need and the letter from and advocacy group helpingme due to XXXX XXXX  debt bondage, which falls under XXXX XXXX according to XXXX XXXX Final Rule 1002.142b ( 4 ) - ( 5 ) -- 1002.142 ( b ) ( 7 ). Ikindly request you block this information from my credit report within 4 business days, pursuant to section 605c of the Fair Credit Reporting Act, Iam a victim of XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted. Company information XXXX : XXXX XXXX bal. {$1100.00}, XXXX XXXX. {$4200.00}, XXXXXXXX XXXX bal. {$190.00}, XXXX XXXX XXXX .... bal. {$0.00}. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Vehicle loan or lease

U.S Auto Finance Inc. Sold my loan to Westlake Portfolio Management ( wpm ) without any notice in XX/XX/XXXX. I called to make my XX/XX/XXXX payment on my XXXX XXXX XXXX spoke to Usa Auto Finance CompanXXXX paid my XX/XX/XXXX payment of XXXX .Westlake portfolio is a Dept Collector. WPM is stating to me that I have a past due notice of {$740.00} I have made my payments. US Auto finance Inc has shut my car off several times before this if I was 1 day past due. Why would my car be sent to a debt collector when my loan was in good standings.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX Consumer Financial Protection Bureau po box 27170 Washington, DC 20038 RE : Complaint Number XXXX Date : XX/XX/2022 To Whom It May Concern : I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you re-investigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question.

Enclosed is a copy of my original letter and credit report with the disputed items highlighted. Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission. 

If you have any questions, please contact me at the address listed above Your cooperation and prompt attention are greatly appreciated. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have informed them of inquiries that do not belong to me on my credit and informed them that it must be deleted according to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is incorrect there fore when they say it is reporting correctly they are be honest and they have not sent me any proof other than a computer generated letter that they send everyone I have a right to privacy per USC 1681 In accordance with the Fair Credit Reporting act XXXX 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, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, was a victim of identity theft, and my FTC Identity Theft Report is attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. I have never approved or given my expressed written authorization or consent to any 3rd party affiliate CRA to share my information with the following accounts ; please be advised that without consent, identity theft occurs, and I have the right to privacy : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I DO NOT RECALL OR RECOGNIZE ANY OF THESES HARD INQUIRIES : 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, credit repair services, or other personal consumer reports

I XXXX XXXX have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Account must be removed immediately according to the law Account Number XXXX Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Date Opened XX/XX/2017 Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$5800.00} Original Amount {$5800.00} Original Creditor XXXX XXXX XXXX ( Rental/Leasing ) Past Due {$5800.00}
Product: Checking or savings account

Improperly charged payments, fees, and interest from their customer Illegally charged sudden overdraft fees : For years, from XX/XX/XXXX XXXX XXXX, XXXX, Wells Fargo unfairly charged surprise overdraft fees. fees charged even though consumers had enough money in their account to cover the transaction at the time the bank authorized it. Our overdraft fee for items paid into overdraft is {$35.00} per item. The basic fees applicable to all accounts at Wells Fargo are overdraft fees, returned item fees, stop payment fees, and wire transfer fees. Wells Fargo checking monthly maintenance fees are {$10.00} for Everyday Checking and {$5.00} for Clear Access Banking. Also, on debit card transactions and ATM withdrawals. Also, the bank was transferring funds between accounts and enrolled them in online banking, and told customers their products were more important than they actually were. 


Wells Fargo Corporate Offices Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX ( XXXX ) XXXX Website : https : //www.wellsfargo.com
Product: Credit reporting, credit repair services, or other personal consumer reports

There's an address that's on my credit report I never resided at nor received any mail. The address is XXXX XXXX XXXX XXXX XXXX Ga XXXX I'm requesting to have this address removed being that I've never been associated with. The information is inaccurate and need to be removed from my files immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

PERSONAL INFORMATION UPDATE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Sincerely XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2021 direct deposit was made to card.com, with XXXX XXXX  for XXXX. I requested a new card and change of address. They immediately changed address but requested proof of address 10 days later, thus new card was delayed even still now. Card.com requires 16 numbers of card which is closed account. Called Bank, they said if I want check call card.com support to send check. Received new card but someone ordered another card on their end. They don't have 2 request from me for cards, only one. No one disputed this. They made 2 mistakes which caused delays. One was not accepting the Virginia XXXX driving record with current address, and ordering another card. Now they say they can not activate new card because i have to wait for other card I didn't order, meanwhile I have new card no good to me and my money will lay dormant to me. When I called card.com supervisor AV, I'd # XXXX at XXXX on XX/XX/2021 said she couldn't help that I had to wait for other card. This is totally Incorrect and shouldn't be tolerated where it will clearly inconvenienced a consumer for minimum of 30 days in 8 days from today. XXXX XXXX ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please read carefully -- I applied and received a loan from XXXX XXXX. When I explained to the loan representative what I wanted the loan for she told me it would be a consumer loan for home improvement. This loan was secured with my signature not a home ( please see attached promissory note ). As a matter of fact I'm not on the deed, therefore I am unable to obtain a mortgage on the property. XXXX XXXX is reporting this account as a mortgage. I defaulted on the loan, XXXX XXXX agreed to do a settlement ( proof I paid the settlement attached ). Now that I have settled the account it is reporting as a short sale. I have tried to obtain a mortgage but I was denied because this loan is shown as a short sale ( see attach denials from XXXX and XXXX XXXX.