23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Missed a call listed as Spam. Ex husband contacted me stating that he got a phone call about a a civil complaint " out of ( my county ). 
He gave me a ( XXXX ) number Called line was busy. Noticed a missed call ( phone blocked it b/c is was " suspected spam ) Called the number and processed to go off on " XXXX " once he told me that HSBC was filing a civil suit b/c I never responded to the " letter '' regurding an XXXX  backed debt from prior to a bankruptcy I filed ( I filed in XXXX  everything but federial Sub and Unsub student loans were discharged ) they sent me. Told him that this XXXX XXXXXXXX that at no point in time did I or Have I received anything from their client. I have no outstanding debit and if I do then mail me a certified letter with the documents/ letter from your client with the information of said debit. 

XXXX then stated that he could not do that as it would not be cost efficient, and asked for my email. Rambled off an email address and proceeded to chew his " Lawfirm '' out for falsely trying to collect old debits and that again until I have a certified letter from either his employer ( lawfirm ) I'm calling XXXX. He continued to refused to send me a certified letter, that the ONLY certified letter I will be receiving is my subpoena, and that this was now my notice and that they will move forward and reminded me that " This call is being recorded " and WILL be played back in court. I went on to again request certified documentation of said debt which he replied that I'm their client and I will get said documents in court.. I called XXXX. again stating that his Client ( HSBC ) Flat out falsely reported they mailed out anything to me so until I receive a certified letter with said claims of past due debit that I'm not settling anything. Asked again what County the suit is filed in, said XXXX XXXX Told him fine I will call the court house myself to validate the suit to which " XXXX '' said it hasn't been filed yet. 

At this point we had been on the phone for nearly 25-30 mins and he told me there was no point in arguing. My response was " Why not your getting regardless " and If you want people to answer your phone calls maybe have you employeer update the phone records so it doesn't come up as spam. 

The " Law office " Is XXXX XXXX ( which I only found 1 and they deal with timeshares ) The debit was for like {$2300.00} ( give or take ) Client HSBC. Guys name was XXXX. And there was a voice mail with a call back # XXXX XXXX XXXX XXXX. Stating in regards to a civil matter couldn't really make out the rest but female stated that " I've been notified " All phones listed the XXXX, XXXX and XXXX were reversed look up and no information on any of these number except the XXXX was listed as XXXX, XXXX Georgia
Product: Student loan

This provider switched in XXXX and automatically wouldnt allow monthly payments to go through without interest. As I continued to pay them they didnt deduct the full amount I was paying off my total debt. This happened repeatedly every month my total would not reflect the amount paid. On XX/XX/XXXX my loan transferred from GreatLakes to Nelnet as the new servicer. Upon transfer they wouldnt set up my account on time to make my XXXX payment on time. When they finally got the information transferred they had the initial total correct as {$20000.00}. After XXXX and XXXX payments I should have a total of {$19000.00} remaining balance upon transfer at Nelnet less {$350.00} XXXX payment for a new total of {$19000.00}. My total however is {$19000.00}. I think this is going to continue to happen as its hard to get things fixed there. 

XXXX after XXXX $ XXXX payment. 
XXXX XX/XX/XXXX payment I should now have a remaining balance of {$18000.00} ( XXXX your total ) XXXX XX/XX/XXXX payment should have remainder {$18000.00}.. 
( XXXX your total ) XXXX XX/XX/XXXX. {$18000.00}. 
XXXX XXXX XX/XX/XXXX XXXX actual XXXX. Stated XXXX XX/XX/XXXX. XXXX. Actual XXXX. Stated XXXX. XX/XX/XXXX. XXXX. Actual XXXX. Stated XXXX. XX/XX/XXXX. XXXX Actual XXXX. Stated XXXX. XX/XX/XXXX. XXXX Actual XXXX XXXX XX/XX/XXXX XXXX stated XXXX should be there is a debit of {$60.00} that should not be there. 

Paid {$200.00} XX/XX/XXXX on {$16000.00} Now changed my interest fixed rate to 6.8 % {$16000.00} should be left. 

XXXX. XXXX balance.according to XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. = XXXX Should be {$150000.00} So I am {$710.00} short on my balance total from this provider. They are involved in racketeering crimes with the Biden Administration as many of my clients have been arrested in this case and convicted of criminal trespassing on a property they have not owned.
Product: Credit reporting, credit repair services, 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. 

XXXX : # XXXX, XXXX : # XXXX, XXXX  XXXX : # ID 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 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, credit repair services, or other personal consumer reports

My husband and I rented a house from XXXX XXXX XXXX of XXXX, XXXX XXXX  XXXX XXXX. XXXX, XXXX XXXX, XXXX, Florida XXXX. 

After several months of chronic plumbing problems that rendered part of the house unusable, created a credible risk of black mold, and destroyed hundreds ( probably thousands ) of dollars of our personal property, we terminated the lease and vacated the property by mutual agreement with XXXX XXXX XXXX. 

We left the house in pristine condition, and we have almost 70 photographs as proof ( plus 5 photos of the plumbing repair disaster and 4 photos of the damage to the adjacent walls and ceiling in the garage that was caused by their negligence and botched plumbing repairs ). 

Nevertheless, XXXX XXXX XXXX sent us a statement claiming that we owed them {$4500.00} for what amounted to normal wear and tear ( in violation of Florida law ) and for the property damage that was caused by their own negligence in failing to properly address the plumbing issues. They also refused to return our security deposit ( {$2400.00} ) without making a proper claim in accordance with Florida law. 

At some point, XXXX XXXX XXXX sold that alleged " debt '' to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Florida XXXX, who is now reporting it to Equifax, XXXX, and XXXX. 

We have repeatedly disputed that line item on both of our credit reports with all three credit reporting agencies as well as XXXX XXXX XXXX directly. 

We have provided detailed correspondence complete with the photographs proving our position to all four of those entities. 

We have demanded a description of the reinvestigation procedures in accordance with FCRA 611 ( a ) ( 7 ) from each of the three reporting agencies. 

We have provided information to all four entities showing that the President, Secretary, and Treasurer of XXXX XXXX XXXX who made the initial claims in the first place ( XXXX XXXX XXXX ) has been disbarred for unethical, fraudulent, and dishonest conduct ( including making false claims and fabricating evidence ). 

We have notified all four entities of our intent to file suit against them. 

And we have sent FS 627.4137 pre-suit demands for insurance information in preparation of that lawsuit. 

Incredibly, none of those things has gotten their attention. XXXX has ignored all our correspondence, and the three reporting agencies simply continue to claim that they are " investigating '' the alleged debt before " verifying '' it and notifying us that it will remain on our reports. Despite our repeated demands, none of them has ever provided any FCRA 611 ( a ) ( 7 ) information, addressed in any way the 70+ photographs and other documentation that we have repeatedly provided to them, or responded to us in anything other than a cursory and disingenuous manner. 

We are hoping that we can get some relief through you rather than having to go through the extended mechanics of a lawsuit and jury trial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries on my XXXX XXXX that I did not do. I have tried to reach XXXX XXXX and multiple companies to have these taken off. Both of my bank accounts were hacked ( I have went to banks on both of these and they are being handled ) so I know my account was hacked. 
I need these inquiries taken off. 
From dates : XXXX, XX/XX/22 XXXX XX/XX/22, XX/XX/22, XX/XX/22 : XXXX XX/XX/22 : XXXX
Product: Credit card

I opened the Credit Card with the Hilton Program at XXXX XXXX Hilton Hotel in XX/XX/XXXX and they committed to 1,50,000 promotion points. I called XXXX customer care at the start of XX/XX/XXXX to understand the promotion and yearly charges they applied to my account XXXX {$150.00}, before want to continue the card I asked a representative about the promotion points and he told me that it would be credited to your Hilton Honor account on XXXX XX/XX/XXXX. After that only I paid my yearly charge and want to continue with the card. But when I called back to them at the start of XX/XX/XXXX another representative told me that I did not meet the criteria. You are not eligible to get the reward and I was not able to get my yearly fees of {$150.00} if I am not going to continue the card. They opened a ticket and told me that it would be investigated and let me know within 10 business days when I called them after 10 business days I was informed that the case was still open and it took a few more days and every time I needed to call them to know the status and I need to spend more than 30min.

Card Information : American Express
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I opened an account with TD Bank and attempted to fund the TD Bank account from my XXXX XXXX account with a transfer of {$1000.00}. The funds cleared from my XXXX XXXX account and after XXXX  days of the funds being cleared I closed the XXXX XXXX account. However, XXXX  days later ( XX/XX/2022 ) TD Bank decided to reject the funds, sending them back to where they originated ( XXXX XXXX ). Because the account was closed, XXXX automatically rejected the return and sent the funds back to TD Bank. However, the funds never reached my account at TD. I spent several hours calling both banks, the final answer I got from each bank was that they do not have the funds, they each said that the other bank had my funds. XXXX is claiming that they sent my money to TD Bank, but TD Bank is claiming that they never received my funds. I have spent countless hours going back and forth on the phone with both companies for over XXXX months. Now I have been missing {$1000.00} ( all of my savings ) for over XXXX months, and I really need my money. Neither bank has been able to help me get my funds back. I understand that there are complications when funds are returned to a closed account, but considering that everything was done electronically, it should not be this hard for the banks to figure out how to get me my money back. Both XXXX and TD Bank have failed me as a consumer.
Product: Checking or savings account

I am Writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of charges and credits. this issue aligns with the recent CFPB findings against Navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

A court order directed Popular Bank, to transfer funds in my mother 's name to an estate account after her passing. Also in the account were checks deposited in my name in the amount totaling of {$87000.00} My funds have been tranferred and the bank has now closed my account PLEASE HELP This is the institution information Popular Community Bank https : //www.popularbank.com/ XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/2015, my vehicle was charged off, after being unable to pay for the vehicle. the vehicle was added to my credit report, however he account was never closed. I have contacted the Nationwide Cassel LLC Account # XXXX, with ending amount of {$9600.00}. I contacted the company and offered to pay 35 % of the amount owed. ( {$9600.00} ).  Nationwide Cassel LLC XXXX Nationwide counter stating they would settle for {$10000.00} Nationwide increased the amount after knowing that I was in the process of buying a resident.
Product: Money transfer, virtual currency, or money service

I bought two money orders XXXX XXXX XXXX XXXXXXXX in the amount of {$500.00} and XXXX XXXX XXXXXXXX in the amount of {$170.00} ) from XXXX XXXX and mailed them to XXXX to make a payment on one of my Credit Card Accounts. I deposited a Priority Mail envelope in USPS Mailbox with both Money Orders directed to my XXXX Account. 
Both Money Orders were chased on XX/XX/XXXX. At that moment I thought it was cashed by XXXX, were I sent it to, and they didn't credit it to my account for some system failure. 
I ask XXXX XXXX for front and back copies of the money order. When I got the copies of the cashed Money Orders both were singed on the back by an individual, unknown signature on the endorsement line and a set of numbers that belong to TD Bank, indicating that they were deposited on a TD Bank account on XX/XX/XXXX. 
The numbers are : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX I got in touch with XXXX XXXX, and they asked for some paperwork signed by the XXXX ( XXXX ) which they never agreed to sign. Seeing that I couldn't get what XXXX XXXX was asking from XXXX I called TD Bank myself on several occasions explaining that XXXX of their customers robbed me and they did not help at all : on XX/XX/XXXX I called the XXXX XXXX XXXX XXXX  of TD Bank and supposedly they listen to my report, they said someone will call me back, they never did. On XX/XX/XXXX I called again, didn't get any help and lastly on XX/XX/XXXX I called again, and they put me in a long period of hold giving me the impression they wanted me to give-up, hang up and abandoned my request. 
I have copies of all the documents I have mention and all the letter that I have written. I will attach all the paperwork to this complain. I still haven't been able to recuperate the money from TD Bank 's thief account. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, my wife had undergone a medical procedure. The amount to be owed was sent to us by the hospital where this procedure was performed and the amount was paid in full. Now the XXXX Company that performed the procedure in the hospital is billing us separately for an original balance of XXXX US-dollars however, we have never received the bill for this that is why we were never aware of the charge pending and had thought that we had already paid everything when we paid the Hospital where the procedure was performed. Due to this, the XXXX company had forwarded our account to the collection agency on XX/XX/2018. I had tried to reach out with the original company/Lender regarding this matter and they had told me that the billing company that handled this matter no longer works for them, Leaving me with no option but to directly engaged with the collection agency. I called the collection agency and had explained that we had never received the bill that is why we never knew we had to pay anything. According to them, the previous billing department had attempted to call and mail a bill to us numerous times but failed. My argument to them was that on XX/XX/2018, we had moved to a new address and we would not be able to get any mail regarding the matter. As per the calls, I do not recall getting any phone calls regarding the bill. The reason we found out about this was when we are trying to run our credit and it shows as a negative report in our credit.
Product: Consumer Loan

Learn from me .... 
How does a car affect purchasing a home? ... Continue reading. 
Having my 3 year old car repossessed due to transmission failure XX/XX/XXXX and being XXXX with my third child in a little over a year from having my second was a surprise, shock and stressful time in my life. Little did I know the car situation was the start to a horrible dream in the making. Forward 7 years later and now being 2 years into making payments on that judgement stemming from the " lemon '' I bought I 'm paying {$100.00} a month a agreement myself and the attorney reached. Not having been late or missing a payment I now need this attorney to sign a subornation agreement so I can purchase a home. My lawyer has reached out to the attorney representing the car for over a month. After back and forth they agreed I would pay down the dept by me sending in {$1500.00} while still continuing to pay my monthly payments in exchange for the signed agreement. I have supporting documents. This lawyer has not been heard from since the check was sent certified funds to them. They wo n't respond to calls and messages. Now I 'm in the current week which they are aware, of my settlement and I have nothing. No signed agreement. My attorney has made them aware we need this letter a few days prior to closing to clear underwriting and yet we have 4 days until settlement and I 'm in limbo not knowing if I will be able to move my XXXX XXXX children from my sisters couches, who is XXXX to the home we fell to love. If I do n't get this letter I lose my deposit and the house. Worse is I still need the letter to purchase. I have done everything required within reason on my end. Now my families future is in the hands of an attorney who could care less if we make settlement. How is this right and constitutional?
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept of Treasu XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX 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 knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous disputes with Equifax regarding inquiries and a collection on my account. They have an address listed on my file that does not belong to me. I call the companies and they say they have not received any correspondence from Equifax regarding the inquires.
Product: Credit card or prepaid card

I contacted XXXXXXXX regarding two accounts reporting on my credit report as Charge Offs. They are updating the bureaus every month indicating that their is a balance owed. When I contacted them to attempt to resolve this balance and offer a lump sum settlement offer, I was told that these accounts are considered " dead '' and that I would not be able to make a payment over the phone or negotiate any type of settlement offer. 

After clarifying a few things with the representative, it became clear that they are making this an extremely difficult situation. I feel like they are creating a hostile and abusive situation designed to cause distress by reporting a past due balance on my credit record and simultaneously prohibiting me from resolving it. They are adamant they are NOT attempting to collect a debt, but continue to credit report. What a giant paradox. Credit reporting is an attempt to collect a debt, and I feel that they are violating my consumer rights by continuing to report this on my credit. IF this a a " dead '' debt, then remove the balance!
Product: Debt collection

A debt collection company called Resurgent Capital services continues to report negatively to the credit bureau on an account that is not mine. I have sent letters, called and tried to work with this company. They are saying I owe XXXX from 2016. I continue to request from them proof or signature or application or something from this account and they refuse to provide.
Product: Debt collection

I requested debt verification from National Credit Systems. The lease documents, and mailed documents they sent to me were not my name/were not me. They have reported this debt to all three credit bureaus and this is not my debt. I have told them multiple times this debt is not mine but they have not removed the debt from my name. All their documents for " verification '' say " XXXX XXXX '' this is not my name and I do not know who this person is. This person 's name is spelled differently than my name. 

This is deeply effecting my credit and I want this removed.
Product: Mortgage

Around XX/XX/XXXX, we apply for a Loan Modification with Bank of America because of Financial Hardship in our family and they sent us the paperwork fast to start completing  documentation in a timely manner. XXXX XXXX is our point of contact for any questions, concerns, etc. and his information will be in included in the uploaded document. As of today XX/XX/XXXX we already sent ALL the documentation needed to complete our Loan Modification process and a few days ago BofA sent us an important information that our Home Loan will transfer to XXXX   XXXX XXXX, a division of XXXX XXXX XXXX, XXXX on XX/XX/XXXX. Based of customer reviews ( many reviews on their websites ) XXXXXXXX XXXX XXXX, a division of XXXX XXXX XXXX, XXXX after receiving the home loans from another financial institutions they ALSO transfers the home loan again until the customer is at the point of no return to their houses because the monthly payments are " impossible '' to pay. 

My understanding and per our Reforms in the California Homeowner Bill of Rights BofA can't  transfer our Home Loan to another Servicing/Lender. I keep calling and leaving messages to XXXX XXXX via phone, email and I also needed to escalate to the Call Center Manager asking for XXXX XXXX 's Supervisor. I sent a message to XXXX 's Supervisors and I still not getting any answers from any of them. 

Then after, I called the Customer Service extremely worried an one of the Service Representative from BofA told me that usually this is been happening very often in the last two years with BOFA ( sending letters to customers letting them know their home loan will transfer to another servicing/financial institution ) but at the end and almost 24 to 48 hours that transfer is cancelled without notifying the home loan customers, its very confusing and I don't think it's the right thing to do. We are currently living on our property and its a single family own.