23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020 the debt collection company, XXXX XXXX XXXX XXXX, aka XXXX XXXX left detailed information regarding this alleged debt on a relatives ( not my spouse ) phone number. Advising them they could be held liable for this debt and the amount to settle was {$2700.00}. This violates personal information that can not be shared. I called and advised XXXX XXXX of XXXX to cease all phone communication. This is a third party debt collector file number XXXX. All calls are recorded, so there is a record of the call to my mother-in-law on her cell number at XXXX in which they discussed personal information of mine.
Product: Checking or savings account

Did not receive my regularly scheduled automatic deposit. This was due to ACH error but it has been a week now.
Product: Mortgage

On  X/XX/2017   , I lodged complaint no.  XXXX  regarding  Specialized Loan Servicing 's misappropriation of funds from my property tax escrow account in or der to disburse insurance premiu ms to ( 1 ) an insurer whose policy I intended to let expire and ( 2 ) a replacement insurance policy which I had already paid. Specialized persists in demanding that I repay the escrow shortage created by their error. I will attach to this complaint a copy of a letter I mailed to Specialized today detailing my efforts to have them rectify their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires on my credit that I do not recognize and they need to be removed now. they are all included below and on my ftc report, that are from ( XXXXXXXX XXXX XXXX  ), ( XXXXXXXX XXXX, ) ( XXXX XXXX XXXX  ), ( XXXX XXXX ) ( XXXX  )
Product: Debt collection

In my credit score it has listed that i have 2 derogatory closed accounts from my student loans. Both accounts were satisfied and paid in full from my Federal Tax return this year in XX/XX/2020, i have a letter from the IRS stating and showing that my Ferderal Tax return was taken to satisfy these delinquent accounts. And now that they are closed and satisfied its still showing on my credit report and showing that i owe when in fact I do not!
Product: Checking or savings account

On two previous dates I have disputed the verbiage of a checking account closing at XXXX XXXX XXXX XXXX. My account was closed in the Summer of 2017 and stated as fraudulent transactions, yet I have maintained that I am the true victim twice over with lost of product/service and lost of funds/fees. Despite explaining this to banking and consumer reporting officials the statementof fraud remains. I have since reported in full and began a formal criminal investigation into the individual who defrauded me and caused a personal financial stalemate in my life. With the new official information I am hoping that the parties involve will lift the current restrictions and verbiage as I am not indebted to the aforementioned or any institution.
Product: Credit reporting

I disputed a 30 day late pay on XXXX XXXX. It is being reported XXXX XXXX I was in chapter XXXX bankruptcy and should be protected as this account was included in bankruptcy. The account has been paid off. I would like the late pay removed as al payments were submitted in my bankruptcy plan.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I received an alert from XXXX Credit services indicating someone used my information to open a fraudulent account with the Bank of America XXXX XXXX XXXX Texas on XXXX. Upon further investigation this fraud was confirmed and the account was closed. 
I am currently working with Bank of America and XXXX to have this account removed from my record.
Product: Credit card

I went to see a teller about a check deposit, and Bank of America banker applied for credit card without my consent or knowledge. She offered me a cc offer, but I said no thanks several times, to which she lied, saying that it 's already in the mail. Boa regularly mails out credit cards to our best customers. To which I said. That 's illegal. Bank is breaking law if you send me a cc without my request. She said BOA does this all the time, said if I did n't want it, I should just not activate it. I complained to her that 's not how it works. But we ended our conversation there. To my horror and surprise I received a boa credit card in the mail with a letter dated for that very day I was in the branch regarding my check matter. Bank employee proceeded to lie to me over and over. She did not have my consent. Verbal or written. She just lied to apply for this without my knowledge. I do Not want a BOa credit card.
Product: Debt collection

Nationwide Recovery System has sent a bill to collection as of XX/XX/2021 that has an outstanding balance of {$600.00} that's affecting my credit score and report. This bill has been taken care by my health insurance. I tried getting in contact to resolve this issue by phone and the debt collector does not have any contact information. Under Section 623 of the FCRA the debt collector should have all they're information for me to dispute of come to some agreement. I would like for this debt collection to be remove permanent from my report and send me an updated report to me personally.
Product: Mortgage

In 2021 my mortgage was sold to Mr Cooper. Prior to them taking on the loan, they paid property taxes when they were paid out of the former servicer escrow. They repeatedly have refused to address the issue with the City of XXXX and we are currently out of pocket ~ {$5000.00} and they and the City refuse to reimburse us the homeowners.
Product: Mortgage

I recently requested from my loan servicer Mr. Cooper ( Nationstar ) to remove the PMI from my loan as the LTV has dropped below the 80 % threshold, I have had no late or missing payments in the 5 1/2 years I've had the loan, and the property value has increased substantially. I received a call today from a person in their Insurance department, and he told me that the removal of PMI was based solely on the original amortization of the loan, and I told him that the guidelines clearly state that it also states 'based on actual principal payments '. 
Mr Cooper is in violation of the XXXX Guide section 8203.2 ( a ) Borrower-requested cancelation of Borrower-paid mortgage insurance based on the original value. 
The original purchase price of the home was {$130000.00} in XX/XX/2016, and the loan was originated with a 5 % down payment, which brought the pricipal balance down to {$120000.00}, or 95 % LTV. With my most recent payment, the principal balance is now {$100000.00}, or 79.74 % LTV.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX debts youre chasing me for I dont agree with them at all and I think the amounts youre saying I owe are off. Dont bother with any proof Im not interested. I know whats up and seeing proof isnt going to change that. If you need to get in touch, email me only between XXXX XXXX XXXX XXXX XXXX XXXX Dont send any mail whether its USPS XXXX XXXX XXXX XXXX or any courier and skip the phone calls and voicemails its just XXXX big inconvenience.I 'm outta here. This ACCOUNT # XXXX and anything else you have under my name.
Product: Mortgage

I am requesting an investigation into my mortgage & the lending practices with Wells Fargo Home Mortgage, in relation to XXXX and XXXX loans. My approval, for both loans were not based on my ability to repay. As a result of being approved for these loans, under these terms, my house was foreclosed in XXXX. Currently, I 'm awaiting the approval of a loan modification under HAMP, yet it appears to be some shady dealings that remain on behalf of Wells. I 've raised several issues/concerns that I have attached, but have been refused the accommodation/opportunity to ensure that my rights to a fair/accurate contract have been met. I have been threatened to submit endorsed documents that state ''I understand '' & imply that I 've waived certain rights, all the while explaining that my questions will be addressed 'after ' I submit the very documents that the questions/concerns/issues are related to. Of the obstructions that I 've had to face, the most notable, this year are : 1. the homestead scam. I have been the sole borrower in this loan while Wells has insisted that my husband of record, who is in XXXX ( on an unrelated matter ) sign documents that name him as a borrower. This is due to a bogus document that Wells slipped into my XXXX closing, which falsely states that funds from a letter of explanation for funds that appeared in my account from off & on out of court support, are ''my additional income ''. 2. Wells had its foreclosure attorney confirm the foreclosure sale to ''itself '' while I was in good standing during the trial period for this current modification. I had to take leave from work, where ''every XXXX counts '', to file a pro-se emergency motion to prevent the sheriff from putting my children & I out on the streets. There remains some outstanding concerns in relation to the principal balance ; current home value ; & the adjustments that have been modified, which have not changed this loan into an affordable loan. Please view the attached facts & help my family by compelling Wells to make the appropriate adjustments to this extremely bogus loan. Thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Experian, Have not been updating my credit reporting every 30 to 45 days I do believe this is retaliation from me filing a complaint against all three credit book bureaus and I like this problem to be fixed immediately it is preventing me as a XXXX on business from receiving funds for my business. Someone has gone in and changed all my personal information on my credit report and continues to do it in the credit bureaus are failing to report it to the consumer that this is happening to such as myself. From months I have been trying to build up my credit score and the credit bureaus were fused to report my good payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car in XXXX XXXX which was originally financed by XXXX XXXX from a shady car lot called XXXX XXXX in XXXX XXXX XXXX I was young, under distress, in a new city, and manipulated to sign blank contracts. XXXX sold my loan to Center Street Finance, also known as CSF. Center Street Finance repossessed the car in XXXX after I was unable to continue to pay. I feel on hard times with health problems and personal family issues. 

After years of trying to get a straight answer besides " you owe us the money '' from Center Street Finance, I am still confused why they continue to report to XXXX that I still owe them {$11000.00}. Before the repossession, I paid {$400.00} a month for 4 years totaling about {$19000.00}. They charged off the car to receive tax breaks and probably resold the car because it was still in great condition. According to XXXX XXXX XXXX that car was worth about $ XXXX resale price. 

It's disgusting and overwhelming Center Street Finance made over {$40000.00} off of me because I bought a XXXX XXXX XXXX at XXXX XXXX XXXX for a car that was worth $ XXXX at the time of purchase. Even more odious that they are allowed to report on my credit for years stating that I still owe them when they received their car back.
Product: Prepaid card

If I have a voided transaction ( Bluebird by AMEX ) and the merchant has already swiped my card, they will hold the funds for 8 days-even after the other merchant has processed the credit within 3 days. They wo n't even accept a receipt for proof.
Product: Credit card or prepaid card

I have 6 missed payments showing up on my report and I have not been late on this account. I pay them extra for credit protection in case an emergency comes up. This company offer customers the option of paying through XXXX XXXX but for some reason they will not post payments the same day. A year ago my job work load got light and I told them that I was not working my regular 40 hours and I wanted to use my protection plan and it seems like I did not get approved for it because I have these six late payments showing up.
Product: Credit reporting or other personal consumer reports

after carefully reviewing my credit report i have notice the accounts listed below are not mine i do not owe debt or have a contract with these companies law 15 u.s.c 1681 5-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i would like these accounts removed from my credit report asap which is hurting my ability to obtain credit & purchase a home
Product: Student loan

I have made payments on this account consistently with a program called interest rate reduction. On XXXX started paying XXXX. I was told about a co-signer release upon making payments which I have consecutively and have proof, they not only disqualified me for interest rate program they know wont let me release my co-signer. And my payment went from XXXX XXXX to XXXX XXXX. No explaination just whats due and due date??? Since XXXX I have paid almost XXXX $ and have got no where and they wont work with or release my co-signer which is my XXXX XXXX and help me they just keep increasing and adding XXXX $ in interest for the last 7 years and I cant get anywhere with none of my loans as Navient. I am being taking advantage of someone who is tryin to make payments and be current and they have no options available to me and single full time working mother, that didnt graduate because of medical condition when I left college in 2009 and never graduated, burden of trying to make ends meet. This is the only loan I have really looked at concerning the lower payment and co-signer release. I was promised time and time when entering automatic payment withdrawal over XXXX months I would be able to release my co-signer, every time they wouldnt do it and would lie and make excuses.
Product: Debt collection

Experian continues to furnish reports on my credit report that i did not authorize. i asked them for a contract between me and them, and a contract between them and the companies that pay them to furnish my information. They've been evasive and have violated the Fcra specifically 15 usc 1681 ( b ), 1681 ( a ) ( 4 ) and 15 usc 6802 ( b ) ( 1 ). 
Also i discharge all debts and under 18 us code 8 obligations or other securities are the obligation of the United States. 
How are they attempting to collect a debt. According to the Ftc section 807, the only people allowed to collect on the Federal Reserve debt has to be in contract with the United States Treasury XXXX XXXX. 
And lastly the report is inaccurate and false reporting is another violation.
Product: Credit card

We recently established Private Client relationship with Chase Bank on XX/XX/XXXX Soon after ( don't know if was coincidence or because of establishing Private Client Relationship ), we received offer for My Chase Plan/ no fees for the first plan set up for purchase on credit card accounts by XX/XX/XXXX Made charge of {$16000.00} on XX/XX/XXXX using our Marriott Bonvoy Card Once charge was no longer pending, attempted to utilize My Chase Plan offer ; noticed fees included in My Chase Plan offer. 

Called customer service on or around XX/XX/XXXX for in attempt to resolve ; customer service was unable to resolve & said issue would be escalated & we would receive answer in mail Answer in mail basically said offer could not be located or found and there was nothing that could be done to honor the offer I called customer service again with no resolution ; customer service suggested sending a secure message through our website login to resolve I sent multiple emails beginning in XX/XX/XXXX as a secure message including screenshots showing the offers we were receiving ; response was same/ similar conversation w/ customer service & response letter I reached out to my personal Private Client banker at the XXXX, CA XXXX XXXX on XX/XX/XXXX to express my frustration with the response to my issue. I sent her emails with the same information I had sent through secure messages. She said she attempted to find a resolution but was unable to. She said my problem had been escalated but to date not have not received any response I continue to receive offers of no fees for first My Chase Plan set up, now before XX/XX/XXXX. Offer is still not honored when attempt to set up My Chase Plan ( fees appear ) We would not have utilized this credit card or made the charge of {$16000.00} if the My Chase Plan offer had not been present
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence regarding the fraudulent items on my credit report. Despite my previous efforts to rectify this matter, I regret to inform you that the erroneous entries persist, and the issue remains unresolved. 

I understand that rectifying such matters can be complex and may require thorough investigation ; however, the lack of progress and communication from your end is deeply concerning. It is imperative that immediate action is taken to remove these fraudulent items and restore the accuracy of my credit report. 

I urge you to prioritize this issue and undertake all necessary steps to expedite the removal of the fraudulent entries from my credit report. Additionally, I request regular updates on the progress of the investigation and the actions being taken to address this matter. 

Failure to promptly resolve this issue may result in further escalation, including legal action and involvement of regulatory authorities. I trust that you understand the severity of this matter and will act swiftly to rectify it. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2024 ; XXXX XXXX XXXX XXXX XXXX, 2024.
Product: Credit card or prepaid card

I have contacted Capital One asking for their help as I want to close the card, stop the interest and fee charges so that I can pay the card off sooner. They refused to do this, insisting that I make their determined minimum payments and still incur interest and fees. At this rate, I will only be paying off the interest and never touch the principal. They were happy to give me the card and now that I need their help to make the payments so that I can get my credit score up and finish paying the card, they do not want to help. I am also trying to link the card to XXXX XXXX so that the payments that I am making are showing and building my credit score. Capital One has blocked this so they can determine my credit score and not be truthful about how much and when my payments are made. Not fair!
Product: Credit reporting, credit repair services, or other personal consumer reports

Duplicate reporting on all 3 credit bureau credit report. Since XX/XX/XXXX amt {$970.00} the original creditor charge off and sold the debt to a collection agency on XX/XX/XXXX. XXXX, XXXX, TransUnion are reporting the same amount of {$970.00} twice on my credit reports. This is a major issue for me.
Product: Debt collection

This company, which I hold no contract with nor have received services from, reported a collection account against my ssn in the amount of XXXX. I filed a dispute requesting validation of the debt and account however they have not provided any proof. I am not obligated to this alleged debt because I have no signed or verbal contract with this business nor have I received any services from them.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX in XXXX of XXXX do almost XXXX I've be late a couple of times but always paid and here it's XX/XX/XXXX and I still owe the same almost. I got a couple of deferred payments I'm still where I started. I'm XXXX years old and struggling.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I disputed XXXX XXXX  XXXX XXXX collection company to Transunion and when I called today, 29 days later, Transunion had no record of the dispute. I did not receive a dunning notice for the alleged debt before reporting the credit file. Therefore, I sent a certified letter requesting a reinvestigation a requesting validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that XXXX XXXX XXXX provide Transunion with competent evidence that I have any legal obligation to pay the debt, date of original charge off or delinquency and verification the debt was sold to collector.
Product: Checking or savings account

I had my Checking account for almost 20 years. Were All my payments and direct deposit goes through. I was accused of fraud and threatened by bank of America and they closed my account without further investigations. My sister in law owes me deposited her payment to my account using her EDD debit card. She said that she spoke to her bank and they said its ok. Why would i be suffer from this when its someone else made a deposit tk My account. It is very Unfair and it was already made clear that the deposit or transactions was not a fraud and they still closed my Checking account. It caused me a lot of stress since all my payments and direct deposit is all through that account. I cant even pay my rent on time. They even threat me that they Will report and wont be able to open an account else where. I have a written letter from them as an evidence.
Product: Debt collection

i receive a letter saying i own a rental property and i don't owe them i been a victim of identity theft.