23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ATTENTION TO CREDIT MANAGEMENT ( XXXX XXXX XXXX & ALL CREDIT BUREAUS AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company.This account has been reporting to my file since XXXX. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company CREDIT MANAGEMENT in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN or Credit Card ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Mortgage

Greentree mortgage company gave us a loan XXXX years ago at a 12+ interest rate. It was a predatory loan that we paid {$700.00} a month on for XXXX years. When this home was purchased it cost us {$56000.00} after XXXX years we owed {$64000.00}. They would not adjust our interest rate because they said it was private investors. They charged {$55.00} a day for every day we were late on our payment. This practice should be illegal and they should not be able to try to collect this amount from us because we have paid the cost of the house at approximately {$110000.00} and still owe {$8000.00} more than the original price of the home. This debt should be forgiven and should not impact our credit rating
Product: Debt collection

Lendmark has called on average 6 times a day for several weeks. Even after speaking with them they have called my place of employment and questioned my lead tech for contact info. They have been instructed to call after XXXX XXXX  and not during work hours yet they continually harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Experian for the past 6 days XX/XX/18-XX/XX/18 multiple times per day to cancel my membership. The wait times are 2 hours plus and once you get through the call disconnects. There seems to be no way to cancel my membership unless I cancel my credit card. Cancelling and opening a new credit card reflect negatively on your credit report. This company is supposed to help with your credit but instead hurts it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX XXXX. 

I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXXXXXX XXXX,2020 XXXXXXXX XXXX2020 XXXX XXXX2020 XXXX XXXX2020 XXXX XXXX2020 XXXX XXXX2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Checking or savings account

This bank is horribke not replicable they refuse to reimburse me fraud that occurred in my business and personal checking account my account is overdrawn by this this is not fair they refuse to call me the XXXX office is horribke to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX Balance : {$2.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Regions bank signature account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 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 written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I was told over the phone and I received a letter from Exxon Mobil stating that my credit card did not charge annual fees. At that time my card had a XXXX balance. XXXX month later I was charged an annual fee of {$29.00}. I did not pay pending a reversal of that fee. I was refunded {$24.00} leaving me with a balance of {$4.00} and subsequently charged a {$2.00} fee for non payment of the {$4.00} and charged another {$2.00} fee on the following month. All due to an annual fee I was told I would not incurr. They refused to refund the late fees and I was forced to close the account so as not to incurr in further fees, or forced to pay the illegal fee charge.
Product: Checking or savings account

I recently opened a Checking account with Chime on XXXX. I simply wanted to use their Checking account, so to my surprise, I received a CREDIT CARD in the mail today, XXXX. 

When I called Chime in panic, they said that by providing a Direct Deposit, I was automatically enrolled into their " Credit Builder '' credit card program. I NEVER consented to opening any credit card with Chime, secured or otherwise, and demanded that they not report their illegally opened card to any credit bureau. I am filing this complaint to : ( 1 ) make CFPB aware of Chime 's shady business practices regarding automatically opening CREDIT cards under their Checking account users ' names without their consent, and ( 2 ) Ensuring that these illegally opened credit cards are not reported to credit bureaus and negatively impacting my credit report.
Product: Mortgage

I have a home loan with Flagstar Bank.I got behind on my payment.I was told to ask for Help from The Loss mitigation Dept. They assured Me They would Help. I did everything asked of me to Help with the modification.after a year of mailing check stubs and Bank statements.I was told they lost my File and I had to start over.I had no other Choice but to resubmit All the papers again.I called almost every day Worried about loosing my home.They kept reassureing me everything will be ok.They told me my Payment would be Modified so I can afford my Payment. There was no Modification to lower my payment actually they added to Payment.It took almost 2 years to get a modification. They wouldnt accept any house payments to provent from falling further behind. So I was 24 months behind when they finally told me a Quailfied for a Modification. If thats what you would call it.When this all started I owed XXXX on my home After the Modification I owe XXXX {$.00} I was told they would put all the payments I was behind on the Back of my Loan.Then how did my Balance Increase by XXXX $ .I now owe more than my house is worth. So I cant even refinance and try to get a lower Payment. I had to file Chapter XXXX just to save my home. I am in a bad situation Owing more than my home is worth.I feel I am being set up to Fail and lose my home. Please Help me Find JUSTICE
Product: Credit reporting or other personal consumer reports

I noticed my FICOS SCORE on my checking account with XXXX XXXX XXXX differs vastly than what is on my credit reports with Experian whom they stated in an online message is who supplies my Ficos Score to XXXX. On XXXX it states my FICOS is XXXX, yet on my Experian credit report it states my FICOS is XXXX. That is a huge difference. I tried filing an online dispute with Experian, but the Dispute form does not have an option for inaccurate Ficos Score. Only personal information, Accounts, Etc. My FICOS score on all 3 bureaus reports is in the mui to upper XXXX 's. Not XXXX this some how be corrected??
Product: Credit card or prepaid card

My payment is due XX/XX/XXXX. I went on the website to make the payment put in my checking account info with routing number. I received an error message. I refreshed the page and then it tells me how I need to pay is thru my online bill pay with my bank. I called the company and spoke to 1st rep he said he does not know why it did that but I need to pay with my online bill pay. Now on XX/XX/XXXX I put in my checking info and made the payment and today I did the same thing and received an error. I asked to speak to a supervisor I get XXXX on the phone at first she said she has no clue why it did that then I told her I need an answer today I am trying to make a payment she said oh well our website is going under construction. I told her that I need to make a payment today and since they are having an issue with the website I should NOT be charged the XXXX fee she said I would be charged and I don't have a payment due even tho my bill says payments are due on the XXXX. I asked to speak to a supervisor she said a call back and someone will call me back within. 3 to 5 business days. Today is the XXXX my payment is due on the XXXX. I need answers. I do not want to be charged any interest rate charges because I am trying to make a payment
Product: Mortgage

I have closed on my house on XXXX  XX/XX/XXXX and have made multiple attempts to contact My Loan Care ( my current mortgage holder ) to obtain the payoff request. My initial request was on XX/XX/XXXX and was unable to get a hold of anyone in the company. I then was able to make a formal request via their website on XX/XX/XXXX and have yet to hear anything. I have not been allowed the full amount of the sale of my residence because of this. I need this money to close on my purchase and am being held up from doing so. I called today, XX/XX/XXXX, was on hold for XXXX minutes, only to talk to someone who said that they were unable to provide me with any answers or timeframe. I then asked to speak with a supervisor and they stated that they were unable to send me to one. 

This has now become a hardship for me and my family and is costing me interest and the ability to close on my purchase.
Product: Credit card or prepaid card

I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and GM FINANCIAL with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XXXX, XX/XX/2018.
Product: Credit reporting or other personal consumer reports

I have concerns regarding my credit report that needs immediate attention, this complaint is not a mistake nor sent in error. I found out that there are inaccuracies on my credit report and it is stressing me out, these errors are affecting my life and my credit score negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX CT XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Mortgage

I started a mortgage with Investor bank in 2015, my monthly payment was around {$2.00}. Now they sold the mortgage to Citizen and they changed my principal rate. My current payment is {$4.00}. According to your new calculation, I will pay off my principal debt in less than 10 years. In other words, they changed unilaterally the terms of my contract. I called and explained that they can't change the principal, it's not a 30 years mortgage anymore. This amount is too high and my husband and I are having a hard time. Please help us. I called the bank multiple times and I sent and official letter. They replied that they are reviewing my case and get back to me in 30-60 business days.
Product: Debt collection

Three different associates with invalid Company Names and Addresses contacted myself and both of my siblings about a debt from XXXX  on a Visa Signature Wells Fargo Card for a certain amount that was unpaid. They had 3 different addresses, likely found online, for me. I received dark web activity on my credit alert prior to these calls. With no credit listed on my account or collections listed from wells fargo. Last year a man also claimed to be calling to serve me documents and continued to call with a different accent over the course of a year, named XXXX XXXX from an address that did not exist in XXXX XXXX Ca. Most recently they have claimed to be calling from my county to threaten to pursue legal action. When I asked the the statute of limitations on the account in question she simply said they want to collect for wells fargo. I have advised to cease and disist, however it seems a new name and person is handed my number.
Product: Debt collection

The phone calls started XX/XX/XXXX. Let the phone calls go to voicemail didn't recognize the number or otherwise busy. I am providing transcripts of the voicemails that have continued on an everyday basis all providing this pretty much the same thing my first contact when I answered a call was from XXXX. I didn't like how she came across to me she asked for my name and gave me the last XXXX digits of my social I told her I did not appreciate it and I refuse to acknowledge and she hung up on me that's from the phone XXXX. Basically every day I was getting these phone calls and I let them go to voicemail and I am attaching them the second person I talked to was XXXX who sent me to somebody else a man I can't think of his name who's then **** me under XXXX saying that she was my case XXXX. I asked for information I was told XXXX XXXX XXXX alone taken out in XXXX Easy money and the amount of {$760.00} and now it's total XXXX Which was a joke to me because if it goes back to XXXX there's no way that little bit of money would be interest and fees it would be the amount would be way higher red flag I asked for our actual address I asked for professional license number I asked them to email Documentation with my signature. She has if my email address was XXXX I replied no gave her the correct XXXX every day I get these phone calls which I've downloaded and screenshot they won't give me any information they tried to give me A XXXX XXXX XXXX said no I don't want A XXXX XXXX XXXX want XXXX XXXX address tried to talk over me I wouldn't allow it. Let me tell you about how XXXX she got when I asked professional license number ohh she works under somebody who has the professional license and I said I call **** and I call scam well we'll see you in court go for it I replied. I never once took that alone from easy money back in XXXX just the dates the amount of money and everything just sent a red flag to me and it **** me off
Product: Checking or savings account

Getting charge for overdraft fees when Im not doing overdraft. Also the overdraft fee is extremely high..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 total student loans reporting to the credit bureaus. 3 of the accounts have open balances ( {$2100.00}, {$3600.00} and {$1000.00} ) and are currently in forbearance. FedLoan Servicing reported 2 missed payments for each of the loans at 90 and 120 days late for XXXX and XXXX of XXXX ( totaling 6 late payments ). I have disputed this error 19 times with FedLoan and with all three credit bureaus and they will not correct the error. 
From XX/XX/XXXX until XX/XX/XXXX those loans were in deferment. I have sent over the relevant documentation proving that the accounts were in deferment ; however, FedLoan continues to verify the information as accurate. A Representative from XXXX advised me that " XXXX '' reports whatever information that the creditor provides and they will not change it. I have the payment history from the US Department of Education showing the dates that the accounts were in deferment. 

I also have two other accounts serviced by FedLoan that were included in a Chapter XXXX Bankruptcy on XX/XX/XXXX ( Dated XX/XX/XXXX and XX/XX/XXXX ) .The accounts were discharged in XXXX of XXXX and currently show paid and closed by XXXX. When I disputed this error they verified the information as accurate to XXXX  AND further reported incorrect information. The accounts are now reporting as Bankruptcy for XXXX and XXXX which resulted in my credit score dropping tremendously. This occurred on XX/XX/XXXX. I called and spoke to several Representatives at XXXX and they advised that they would submit the information to FedLoan for verification.

I have also sent disputes to FedLoan regarding these isses and have not received a response.

I have spent lots of time and energy trying to get this resolved. I have been denied credit because of these errors and I am not able to get descent rates because of the decline in my credit score. This can NOT be legal and MUST be stopped.
Product: Bank account or service

I went into bank to close account upon closing an account I made bank rep aware I had opened another account online. We worked to have payments and outstanding debits taken care of by the open account. A month and a half later the new account and my debit card were no longer active without prior notification to me. After the fact I received a later saying my account was closed due to insufficient funds on the account I went into the bank to close. After working with the original bank rep my account was reopened but no money was returned for those insufficient funds. Debit card also not restored and I have been a customer of this bank for over 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/XXXX {$10000.00} Open balance XXXX XXXX  Original creditoXXXX XXXX OpenedXX/XX/2021 ( 2 mos ) Account statusOpen Type -- ResponsibilityJoint RemarksConsumer disputes this account information Original creditor nameXXXX XXXX  This is another account on my credit file that is fraudulent.
Product: Debt collection

Kohn Law Firm has been contacting myself and my employer attempting to collect a debt for XXXX XXXX. When the HR department reached out to me to tell me these people were calling and trying to get information about me, I told them I do not know who it is. I dont have any judgments against me and I havent been served, so I looked them up online and called back in XXXX I believe and I asked who they were and why they were calling my job, the lady started yelling at me when I refused to give her my personal information until I knew who they were. She screamed at me saying you dont have to give me anything, your job already did!. This was a lie and my job confirmed. 

I have been working with a credit repair company trying to get my original debt with XXXX XXXXXXXX settled, as it was created due to me being stuck in XXXX almost the entire XXXX because of covid related border closures/no fly restrictions ( I left the US XX/XX/XXXX and returned XX/XX/XXXX ). I have been attempting to settle this debt. I literally have only been working XXXX and trying to get back on track, which includes trying to take care of XXXX XXXX. 

I called Kohn again trying to settle and the representative I spoke with said they would need me to complete a financial statement, which I said I am not comfortable with because I dont know who they are even truly representing. He claimed they served me and gave me some weird name of the person they gave the summons to. I have NEVER been served by Kohn Law firm. The guy began talking over me and would not work with me on a settlement until I gave them my financial statement. I disconnected the call. 

I received a Wage Deduction notice this past week from Kohn Law, so I called them today to see if once again we can settle and I can get answers. A lady named XXXX told me because I didnt give them my financial statement the last time, its not in the best interest of their client to settle with me. 

I find their SCARE TACTICS to be extreme and they are extremely rude. Ive been yelled at and talked to like Im not trying to settle this matter by a law firm thats not even representing the company that I owe the original debt to {$3000.00}. I feel like this behavior is HARASSMENT and UNETHICAL. There is a better way to handle this and the yelling and rude behavior, all whilst requesting personal information, seems sketchy to me and I literally just want to settle with the company. I dont know what game this firm is playing, but I dont want them harassing me or my employer seeing as how they cant hold a civilized conversation with someone that is actually trying to resolve the debt. Unfortunately when calling XXXX XXXX, you get rerouted.
Product: Checking or savings account

I went to an unapproved ATM trying to withdraw {$40.00} from my checking account on XX/XX/23 at approximately XXXX XXXX. The ATM did not dispense the money, showing RESTRICTED CARD as the error code and I have the receipt showing said information. I then went to an approved ATM and was able to withdraw the {$40.00}. My bank account then showed two charges. One for {$40.00} ( the amount I withdrew from the approved ATM and also another charge of {$43.00} as and an ATM withdrawal and an additional charge of {$2.00} as an ATM fee. I called the bank explained the issue but they didnt reverse the transaction, despite me having a receipt showing the error code. 

I dont know if any ATM that will dispense {$43.00}, specifically. The two charges are inaccurate and should be investigated and removed.
Product: Debt collection

I am contacting concerning a debt that was placed on my credit score, this debt is under {$500.00} and was placed on XXXX and XXXX, XXXX which caused trembling decline in my my scores. Under a new law starting XXXX XXXX XXXX, the consumer credit reporting Bureaus XXXX, XXXX, and XXXX will no longer add medical debt less than {$500.00} to a credit report. They have attached a {$190.00} debt to my accounts, can you help me get this removed from my credit report. XXXX XXXX, Email XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Destiny card services and indigo card services are violating 15 U.S code 1666b and reporting information that is not considered lawful credit transactions history and is causing damage to the estate and credit worthiness