23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

CHASE credit card, auto payments stopped around XX/XX/XXXX, was not aware due to I was in the middle of a Military move and preparing for a XXXX. 

Was notified by XXXX that they had taken over my CHASE card account, so worked with them to address the issue rather than run from the problem. 

Due to XXXX I was not monitoring as I should have been. ( Now I check weekly and I am fixing my creidt ) Paid to debt collector : XXXX XXXX, ( have letter of statement saying account paid in full from XXXX. 

Payments in 3 deposits from XX/XX/XXXX to XX/XX/XXXX ( every 15 days ) totaling in {$1900.00}. 

Tried to dispute with all 3 Agencies, no help. Just adjusted verbiage on report.
Product: Debt collection

I just received a random Garnishment on my new personal bank account. 
I did research and found out it's from a debt im unaware from XXXX ( XXXX XXXX XXXX  ). 
The debt was garnished by a company named Rausch & Sturm/ XXXX XXXX XXXX 

I have no knowledge of this debt which is from 2009 when I was XXXX XXXX  of age with no apt/home in XXXX.
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 {$2000.00}, {$8900.00}, {$12000.00}, {$4000.00}, {$10000.00}, {$5200.00}, {$10000.00}, {$16000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8900.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- PERSONAL ACCOUNTS -- 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5200.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account.
Product: Debt collection

Dear Sir/Madam, I am writing in response to your recent communication regarding the alleged debt referenced by the account number [ XXXX ]. I do not acknowledge or agree with the validity of this debt, and I am formally disputing the amount owed. 
As part of my dispute, I kindly request that you provide me with the following documentation as proof of your right to collect this debt : 1. A copy of the original assignment contract, or the legal document that proves you or your company legally acquired the debt from the original creditor.

2. A statement detailing the amount of the debt, including any fees, interest, or additional charges that have been added.

3. A breakdown of any payments made toward this debt, if applicable.

4. Please note that under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request such documentation. I also request that you cease all collection activities on this debt until you have provided the requested documents.

5. Thank you for your prompt attention to this matter. Please send the requested documents to the address listed above within the required XXXX period.
Product: Money transfer, virtual currency, or money service

Paypal has put limitations on my account. Have asked for verification documents for absolutely no reason, Which i have already provided twice yet they still have not resolved the limitations. Extremely unprofessional customer service.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Equifax, XXXX and XXXX reporting the total amount of credit available is wrong. I showed them the actual available amounts as listed with each company I have credit with and they refuse to change my information. 

I sent Equifax a letter and asked for an explanation two months ago and the never responded with anything I could understand in simple english. ( I did receive a thick envelope with all kinds of " legalese '' but it was just a form letter and did not address my issue ( s ).
Product: Debt collection

I just made a complaint with XXXX via XXXX  and CFPB last month, and Now they have sold the debit to another collection agency, after knowing the debit is not owed to me. At this point XXXX  is in violation of law XXXX. XXXX has sold the debit to " Credit Control , LLC '', who has been sending letters of owed debit to me in the amount of {$4700.00}. I would like for XXXX  to have this company to stop harassing me, and to cease all communication with me about this debit that I DO NOT OWE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed disputes with   XXXX  . They validated the below referenced accounts. I sent a letter letting them know I do not believe they are and that I wanted proof of their investigation within 30 days or I wanted them to remove these items. That I want a signed agreement, my social security number, id, statements of authorized charges/usage anything that says this was me because I have no record or memory of these accounts. I am taking steps to secure my identity as well. All   XXXX   did was send me a response saying the accounts were n't reporting which they are.        XXXX  - A medical bill with an account number listed of  XXXX  and {$490.00} balance, A medical bill of {$81.00} with an account number listed of  XXXX , A medical bill with an account number listed of  XXXX  for {$57.00}, A medical bill with account number of  XXXX  for {$260.00} none of these have names listed and I do not recognize the dates or any of the reporting information. Also     XXXX   XXXX  .       I also filed disputes with Experian and   XXXX   they have not responded to my request for proof of investigation which was over 52 days ago and they also will not allow me to access my files online anymore. So I am filing a complaint. I have resubmitted disputes with  XXXX . I am following up with this complaint in hopes that they really do an investigation this time.     Experian -   XXXX   XXXX   XXXX   and   XXXX   XXXX    XXXX n -   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  ,  XXXX  I am really concerned about these accounts and hope that investigations were really done because the account number is what they had on my report and the names so if they really investigated I should not have been responded to with these accounts are not reporting. Hopefully this clears up. Again I want proof of the investigation that they did showing these are my accounts and the proof that they obtained through their investigation or delete them in 30 days. Thanks.
Product: Debt collection

This debt I believe occurred in XX/XX/XXXX/XX/XX/XXXX however has reappeared on my credit report showing a XX/XX/XXXX start date. I disputed the debt through the credit bureau 's but they supposedly received enough info to say it was my debt. I have never received any information and know this has been a collection item for many years at this point. It is illegal to re-age the debt in attempts to collect the debt. I have requested information from the agency but have not received anything to date. I have found one bill going back to XX/XX/XXXX regarding this debt so there is no way the XX/XX/XXXX report date is the origin.
Product: Checking or savings account

I had an XXXX Account with Optum Bank for a number of years while I was working for my former employer. After obtaining new employment, I began being charged a {$2.00} monthly maintenance fee on my account. Since I established as XXXX Account through my new employer, I called Optum Bank and inquired whether I could transfer the remaining funds to an XXXX account with a different bank to avoid incurring the monthly maintenance fee going forward. I was told to complete a form and fax it to Optum Bank. At the time that I made this inquiry, my account only had a low balance. I was never informed that there would be a {$20.00} fee associated with making the transfer. The form I signed made no mention of the transfer fee or indicated my agreement to pay fees for the transfer. Therefore, I was caught off guard when I received notice that only {$100.00} was being transferred to my new XXXX account and that Optum Bank was retaining {$20.00} as a transfer fee. 

Customer service at Optum Bank profusely apologized and said no funds should have been transferred without my consenting to the {$20.00} transfer fee. Customer service told me that Optum Bank prohibits customer service, including supervisors, from refunding the {$20.00} transfer fee under any circumstances. She said that there is nothing that can be done at this point to get the {$20.00} transfer fee reversed. 

The {$20.00} transfer fee is unconscionable. Had I been advised about the fee, I would have opted to continue using the account until the funds were fully spent, even if it resulted in a monthly maintenance fee of {$2.00}. 

I would like a refund of the {$20.00}, so I can use it for medical expenses rather than for a payment of an arbitrary administrative fee that I never agreed to pay.
Product: Debt collection

XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TRANSWORLD SYS INCXXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card

Account is not past due. Payment due on XXXX/XXXX/16 was made and was in excess of the Minimum Payment Due. An additional payment of {$10000.00}. was made on XXXX/XXXX/16. Of this amount less than 70 % was applied to the balance with the highest APR. The interest bearing balance of this segment was {$8100.00}, per the statement. 
Per Citi 's own card agreement, and the law, the excess payment should have been applied to the highest APR balance first, then to the next highest APR balance, and so on. 
Citi has danced around and now state that 100 % of the excess payment is not applied to any one segment. 100 % of the excess payment would have paid off the balance with the highest APR and left over {$2000.00} to be applied to the next highest APR balance, which was only {$2300.00}. The total balance on the account prior to any XXXX payment was {$12000.00}. 

These people refuse to honor their own card agreement and need to be forced to do so. Not an honest company!!!
Product: Mortgage

To Whom It May Concern : I am writing to formally request that our account be corrected to reflect the following : Mortgage Payments : XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1600.00} This payment should have been {$1600.00}. I enclosed a check for the difference. 
XX/XX/XXXX {$1600.00} XXXX {$1600.00} XX/XX/XXXX {$1600.00} Escrow Payment : XX/XX/XXXX {$1000.00} ( Misapplied ) As of XX/XX/XXXX, we continue to receive automated calls from your company indicating that we are behind in our mortgage when in fact we are not. The escrow payment made in XXXX was misapplied to our account. I spent close to an hour in XXXX with a very kind and seemingly knowledgeable representative who advised that she was placing a work order to have our account corrected. She also advised that I would receive a call and/or email to confirm the corrections had been made. I never received a call. She advised that I did not need to make double payment in XXXX and that the late fee ( s ) that have been charged would be refunded. 
None of these things has happened. I tried again this week to resolve the issue via telephone, requesting to speak with a supervisor who essentially hung up on me because she left me on hold for 27 mins  and never returned. She was extremely rude and would not allow me to explain why I was frustrated nor the corrections that need to be made. She is the second individual with your company that has been rude and abrupt with me via phone. 
At this point I would like to file a formal complaint within your company. If these corrections are not made within 15 business days from receipt of this letter, I will also file a complaint with Consumer Financial Protection Bureau.

Please note that I have enclosed two statements, one from  XXXX Credit Bureau that issues payments to your company each month for our mortgage and one from XXXX  XXXX XXXX to show the escrow payment that was made in XXXX of XXXX. If you require more formal documents from these banks please advise and I will personally go into the branch and have them printed out. 
Lastly, I find it completely disheartening that in XXXX banks/lenders are still bullying hard working American families like us. I routinely pay our mortgage early to ensure that there are no delays with receipt on your end. It seems like we are being punished for early payment. Your company can easily call us to advise we need to pay our mortgage, yet no representative has ever initiated a call to us to state that they want to help resolve our issue. It would seem you count on people not being educated enough to advocate for themselves. 
Shame on you! 

Dissatisfied customer,
Product: Mortgage

Our mortgage is with PHH mortgage company. Our house payment decreased yet the mortgage company refuses to take out the correct amount from our checking account. We have it set up as automatic drafting which they control. I noticed the amount in XXXX and contacted them at that time. I was assured that the problem was corrected yet twice a month they continue taking out the old payment which equals to an overpayment of {$240.00}. 
I have requested the automatic drafting be stopped and I will pay it myself but that also has not been done. 
I finally contacted my bank and for a {$36.00} fee they will stop the payment but only for 6 months. My bank hopes this will force them to make the requested changes. 
I am not able to speak to anyone in a position or to that specific department that controls such matters. I feel as if my bank account is being held hostage.
Product: Credit reporting

I have a XXXX account back in 2017 I borrowed XXXX from XXXX. I was put in the hospital and got behind on payments this XXXX they called me on a recorded line. I refinanced my loan with them for XXXX with no interest. I am making XXXX payments a month. They told me they would correct my transUnion report to show this I have been calling them for the last 3 months. Now they tell me I have to dispute it and when they hear from transUnion disputing the entry they will tell them the first loan was refinanced and the balance is XXXX. I am disputing that now for your information they closed there company in California the only one they have is in XXXX Illinois, My fist loan account # was XXXX, my refinanced account # XXXX this should be the only account please get this fixed. There telephone number is XXXX thank you for your help
Product: Credit card

I had PayPal credit. I missed a few payments in XXXX due to XXXX struggles. I set up a payment plan for XXXX months. It was on auto-pay monthly. Once I started doing well, I opted to stop the payment plan. I received an email confirming the payment plan was stopped/canceled. After a few months, I began to default again and called in to initiate a new payment plan. We did so over the phone and set up auto-pay. I thought PayPal credit was taking my money monthly, per our agreement and per the AUTO PAY. Yet, I started to receive notification stating no payment was made for months and my account was going to collection. When I called in to XXXX, they stated my payment plan was canceled/closed. When I asked who canceled the payment plan, they couldnt verify who closed it. I had proof I didnt close it because I wouldve received a confirmation email of me stopping the payment schedule, as I did with the first payment plan mentioned earlier. They informed me they would transfer me, get a supervisor but never did. I have called, emailed, and faxed a total of XXXX times since then and have asked for call-backs but no one has called me back. No one has emailed me back either. No one has been able to tell me why the payment plan was closed prematurely. I believe they are attempting to avoid accountability by not truly responding to me. I didnt close or stop my autopay, so my payments shouldve been going through fine AND thus, this shouldnt be in collections. At this point, I need a written explanation/response and exact dates of what occurred. And once we confirm I didnt close or stop my autopay, then this needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

when i visited XXXX  all 3 bureaus refused to provide my report until i " verified '' my phone number on the site. i have never given them my number to verify, which means they are demanding information they don't have, in order to add this info to my credit report, before complying with the law. they can't verify a phone number they don't have, and they have no right to my phone number. i provided all the info necessary to receive my report in the past. now, they are illegally demanding personal info from me they don't already have before complying with the law. you would have to be crazy to provide a credit bureau with a phone number that they can then provide/sell in your report to any company that wants it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that 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 & block any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items : XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1800.00} ; XXXX  XXXX Balance XXXX {$35.00} If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Mortgage

On XX/XX/2020 I obtained a cashiers check from XXXX XXXX XXXX for {$700.00} to pay my mortgage payment to Mr. Cooper for the month of XXXX. {$690.00} was the payment with an additional {$7.00} to be added to principal. I mailed this check via certified mail with signature confirmation. On XX/XX/XXXX, the documentation shows the check was delivered and was signed for by a Mr. Cooper employee. Mr. Cooper then lost the check, failed to credit the payment to my account and then failed to inform me of this. 

Suspiciously, I only found out about this because I am refinancing my mortgage to another bank. When I obtained my payoff balance it showed me a month behind. I immediately contacted Mr. Cooper and provided them all of the documentation which includes their signature. Not surprisingly, they claim this documentation is " insufficient '' for them to find the check. ( I am attaching that same documentation to this complaint. 

As a result of this negligence by Mr. Cooper, I have been damaged in numerous ways including out of pocket expenses and damaged credit.