23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My husband and I owe a debt for leaving a leased apartment early and breaking that lease. We are not disputing that debt. We have agreed to pay automatically {$400.00} per month to resolve the debt over time. The debtor is not reporting that we are paying as agreed, and further, they are increasing the balance monthly regardless of the payments when reporting to the three credit agencies. 

When I contacted them, they refused to report it correctly on my credit report stating, 'how do we know you will continue to pay us after we give you a letter reporting you are paying as agreed, we've been burned before '. 

Additionally, in the comments section of the reporting, which is being re-reported every month, they note that this account is being disputed, which is not true. They continue to do this month after month. They say they aren't doing that however when I call the 3 credit reporting agencies, they report that this is happening monthly. The company is bullying us and wants us to settle with them for more than {$5000.00}. 

They are aware that we are attempting to get a mortgage on a new home and intentionally doing this to create harm and problems with our credit reports. The company is called Hunter Warfield Collection Agency, and they are out of Florida. They are very rude on the phone when I have called to complain about this as well.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a Federally Protected Consumer. I am OPTING OUT of any and all Authorisations, I the Consumer may have given you written, unwritten, verbal, and non-verbal. Per 15 USC 6801-6805 16CFR313 Per the Privacy Act 1974 Send this to XXXX, XXXX, TRANSUNION.
Product: Credit card

I made a payment at XXXX XXXX on XX/XX/2024 the date the payment was due. The company charged me a late fee because they claim it must be made by XXXX  EST. Nowhere does it say this in their app.
Product: Credit card

I signed up for the XXXX Citi credit card and in store I used my name of XXXX XXXX, Citi took this even though they had my full SSN and I'm an existing account holder and made a new backend profile for me. I found this out today when I tried to activate my card and it's forcing me to make a new account. I called in and their phone system is terrible and I got bounced around several times before getting someone. They informed me that Citi needs documentation of my name on a legal form of ID. I was offered to send this information via the XXXX mail or via fax. I denied fax due to it is fundamentally insecure and can not provide encryption as well as the post office where there is only a law protecting me, but someone can still sniff my mail. Neither of these methods can guarantee encryption of my data in the security of it. I offered multiple times to send a secure email to use the city document, upload center or any other method to where I can guarantee encryption of my data and Citi outright refused stating " policy ''. 

XXXX XXXX : XXXX
Product: Debt collection

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department of these fraudulent accounts and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them. 

Also in accordance with the Fair Debt Collection Practices Act 2009, I am asking you to immediately stop all collection activities about this debt, including reporting to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of Identity theft, and can not be collected, sold or transferred. 

I have already notified XXXX XXXX and have sent over all the necessary paperwork, I am also asking Michael & Associates , PC to do the same as stated on the Fair Debt Collection Practices Act.
Product: Mortgage

On or about XX/XX/XXXX, I reached out to CMG Mortgage regarding a late notice I received from the county stating my property taxes were past due. My taxes are paid in escrow. After speaking with XXXX in the escalation department, he stated that I did not inform them of a PIN # change. I was never made aware of a PIN change. I went to the tax assessors office and was told the PIN number has changed. However, it is still tied to the original PIN number on my closing documents. The rep also informed me that if the mortgage company had paid, funds would still be applied. I learned the taxes were only paid once since we closed on the condo XX/XX/XXXX. After speaking with XXXX, XXXX and XXXX all on separate occasions, I was informed there was nothing they could do. I explained I received a check in the amount of {$3600.00} in XXXX stating there was an overage in my escrow account. Funds have since be advanced to the county. The mortgage company has stated I am responsible for the late fees assessed by the county. I think the mortgage company is responsible for the late fees as they did not pay on time. In addition to all of this, CMG has increased my mortgage payment from {$1600.00} to {$2900.00} per month, which I am unable to afford. CMG should not be absolved from this mistake. Lastly, I've made several calls since to speak to a manager/supervisor and am continuously told there is not one available. Or, I call, they'll put me on hold and then hang up. My next recourse is to consult an attorney. Any help you're able to provide is greatly appreciated. Kind Regards
Product: Debt collection

FBCS continues to call about a debt that has nothing to do with our household. We have repeatedly told them they have the wrong person but they continue to call every few weeks/months. We have verified that the person, address and phone doesnt belong to the person they are looking for, They get incredibly rude when you inform them. I stated 7 times on recording today how can I help you, to which they only want yes no answers. In todays scam market, you cant answer yes as they will use this to sign you up for scams. 

Very unprofessional and would like the harassment of calls for someone elses debt to stop!
Product: Credit reporting or other personal consumer reports

I've identified information on all my credit reports that are a result of identity theft. These items are not related to any transactions completed by me. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I am filing a complaint on Convergent Outsourcing as they have added back an account that was paid in 2013 to XXXX I requested that collections be ceased at this time as I provided information to the XXXX credit reporting companies that this debt was paid. This XXXX account should be deleted from my account and Convergent Outsourcing must cease collection actions immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my report that I wanted off. Ive filed police report & mailed everything XXXX  told me to mail. STILL THERE. I would like all 8 removed immediately
Product: Debt collection

I spoke to a rep XXXX/XXXX/16 from Valentine and Kebartas letting them know I am disputing the validity of the debt and for them to cease communication with me. They call repeatedly every half hour and also after I told them to cease communication on XXXX/XXXX/16 @ XXXX. They are very rude and one rep even hung up on me.
Product: Checking or savings account

Around XX/XX/XXXX I began receiving authorization codes from my bank on my mobile phone. I would text back the answer to the questions they were requesting I answer. After the third time this happened I called the banks mobile website department in an effort to find out why this continued to happen. There was never a response to my request of questions. Then in XX/XX/XXXX I noticed unauthorized charges on my mobile app that I did not approve, including everything from ATM fees to balance inquiries, to ATM withdrawals of hundreds of dollars ( {$490.00} ) at last count. I filed a claim immediately and the account was closed on XX/XX/XXXX. When the money was transferred from the old account several hundred dollars was not transferred and was left in a closed account that I could not access. I called to check status of claim in order to gain as much information on the charges I could in an effort to investigate on my own to verify what and why this issue was happening. The charges on the statement were listed as ( XXXX # XXXX??? Withdrawal XXXX XXXX ) and when I did an internet search on this info I received only hundreds of fraud related, scam websites. I contacted the bank after I received a letter that the claim was denied. I then asked to be provided the information and records of the steps taken to investigate the problem and where the. Merchant was located, what type of charge it was were they all from the same area and were they related to the unknown authorization codes I had been receiving? Three requests were made on three different calls and still never received any info I had asked for related to my claim denial. I asked for an extension on the claim timeline in order to give me time to receive the paperwork and have time to research the evidence given from their side. I have no other avenues to pursue as to my knowledge and would like advice on how to proceed whether it be legally or intellectually discussions. The latter seems fruitless. I am against a time restraint and need immediate help as my money is still in the closed account, the account is listed as being in the negative {$880000.00}. Thats correct XXXX XXXX and XXXX XXXX XXXX dollars which has been getting emails sent to me from credit agencies about the negative impact this is having on my credit. Why will they not just provide my request for info? Isnt it required thru regulations E of the Electronic Transfer Act? I will be glad to provide screenshots showing above info, however at this time I need to insure all personal info has been deleted from shots before uploading. Thank you in advance. Not you Bank of America!
Product: Mortgage

My sister deeded me her house in XX/XX/2018 she passed in XX/XX/2018 it is recorded in our county recorders office as well. Her mortgage was notified of this as she has a outstanding loan. Which I have been making the payments. I put the home up for sale and the sale is pending for payoff balance. We can't close now due to the mortgage companies refusal to release the payoff balance to myself or my realtor.
Product: Debt or credit management

I was with XXXX XXXX for XXXX years for them to help with credit repair. I paid a monthly fee of {$69.00} for disputes and credit repair. Services werent provided for the amount of money they were paid to help repair my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some negative items in my credit report and dont belong to me XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX CAPITAL ONE BANK USA N Account Number : XXXX CAPITAL ONE BANK USA N Account Number : XXXX
Product: Debt collection

I was taken to court by Turner acceptance. Turner Acceptance and I came up with an agreement that I will pay XXXX a month for 6 months. My last and final payment was XX/XX/2018. I was sent a paid in full letter by the company and was told to send the letter to each credit bureau. The letter was sent to each bureau. On XXXX first I was hit with a late charge on XXXX. In XXXX I also disputed with XXXXXXXX  and sent them the paid in full letter. I was sent a letter stating that the account is in good ( improved ) standing and the balance is XXXX. On XX/XX/XXXX I review my credit report and Turner Acceptance has reinstated the account as a chargeOff and never been paid. I went to court and the court order was to have the update the account as paid in full once all payments were received. The debt has been reinstated on my XXXX credit report as well. The debt has been paid and they are now reporting it as a charge off. They are violating the court order. The debt was Paid in full.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report to find the following items to be incorrect. 
I have explained the discrepancies of the accounts numbers XXXX ( XXXX XXXX XXXX XXXX ). 
to my records the information you are reporting on this account is inaccurate. I demand that you remove this information from my credit report immediately.
Product: Credit card or prepaid card

About 4 months ago I charged some items using my Home Depot credit card for the first time ( approx. {$41.00} ). We paid this amount to our account but apparently a day or 2 past due. We were unaware of this until almost 3 months later when we received a phone call from Home Depot about this matter. We discovered that they had been sending our notices to the wrong address which by now amounted to {$130.00} in late charges. Home Depot conceded it was their mistake and agreed to waive all charges and clear our account but would not contact the credit bureaus to clear our credit reports.
Product: Debt collection

my name is XXXX : the medical bill was to be paid by insurance but it was never paid. Now Merchants Credit Guide send it to my credit report as unpaid, which has been {$56.00} ; which i paid it directly to the hospital because i want it to be off my credit report, but the collection company still keeps on putting as unpaid and in my credit report. I may be contacted at XXXX or XXXX
Product: Mortgage

On XX/XX/2018 I closed on my house with a loan from Residential Home Funding Corp . The mortgage officer XXXX XXXX was incompetent at times and became unprofessional and rude when he didnt want to correct or admit his mistakes. He strung me along in the process and gave me misinformation regarding home insurance, down payment and interest rate. He also repetitively lost my paperwork. When closing was near, I felt pressured into taking a sky high 5.5 % interest rate on a {$280000.00} FHA loan ... which made my payments about {$2700.00} a month. Concerned about the high payments ... he told me it was just because of the {$8000.00} yearly taxes that my mortgage payments were so high and that its worth it and I I dont get a better deal. 

One month after my closing date Residential Home Funding Corp transferred my mortgage to XXXX XXXX XXXX. Ever since, I have been late on making many payments and I am struggling to avoid the foreclosure process. My credit is ruined and I cant even apply for an FHA streamline mortgage bc of my late payments. To add insult to injury Residential Home Funding Corp called me to tell me that XXXX XXXX no longer works with their company ( Im guessing he was fired ) and they lost my paperwork ( child support paperwork )! 

I do believe I was a victim of a predatory mortgage loan and I plan to seek civil compensation for the financial damages this mortgage loan has done to my current situation.
Product: Checking or savings account

On XX/XX/2021, I received the following correspondence from Citi Bank by email : Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your XXXX XXXX  account, we found that you have violated the terms of your account per the client manual. 
As a result, your XXXX XXXX  account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. 

After receiving this and not being allowed access to my credit or checking accounts online and all my cards were restricted. I contacted Citibank on XX/XX/XXXX, and XX/XX/2021 and XX/XX/2021 regarding my funds in my checking account and I was told I would receive my funds in the mail within 30 days ; however, it has been more than 30 days as of XX/XX/2021 and I still do not have my funds. These funds including money from my employer as well as other funds I personally deposited via my other bank account. I am unaware as to why my account was flagged for closure. This is a travesty and has caused me to become behind in my monthly bills. Please help me get my paycheck and funds back from Citi Bank. If I owe them I will include them in my current consolations with XXXXXXXX XXXX. 

On XX/XX/2021 two payroll deposits were deposited into the checking account ending XXXX {$1000.00} was deposited and that same day {$1500.00} was deposited into that same account. I have included a copy of both paychecks and my original direct deposit form showing this... 

Prior to that on XX/XX/2021 I deposit {$500.00} from my business XXXX ( XXXX XXXX Listening account number XXXX account deposited those funds into my Citibank as well. I have included a copy of my XXXX XXXX business account bank statement. These are my last deposits before and after I was told my accounts were closed and would receive my funds within 30 days. The representative I have been speaking with at Citi Bank is XXXX in their call center. She refused to give me a supervisor and/or a address, telephone number or anything to file complaints or inquiry about getting my funds back sooner. 

I made several transactions with my Citibank account including paying bills and transferring money to my business account. I have been denied access to all my Citi Bank financial statement information including my bank statements of which I need to use for income tax and other related business transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Vehicle loan or lease

While struggling through difficult times, we tried to keep payments up and did stay behind but kept ahead of repossession until my wife found a XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
We called Wells Fargo one final time after both myself and my wife started getting solid income so that we could set up something to get it caught up. The agent informed us the car had been charged off, and we had no clue this was a thing. We never received any notification, call, or even an email. It was XXXX days before the call when they said it had been charged off we had funds to catch it up, but they would not accept it and gave us XXXX  options. 
XXXX. Surrender the car XXXX. Pay in full in XXXX payment XXXX. Pay the full balance in XXXX payments over XXXX months. 
We had the funds and now have the steady income to get back on track, but they will not budge. 
In addition, for the last XXXX  months, we have not been able to log into our account. attached is what we receive, and I have notified them on XXXX occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

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

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : US DEPARTMENT OF EDU XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed : XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX  XXXX {$320.00} XXXXXXXX XXXX- XXXX {$810.00} Since XX/XX/2021 for seven ( 7 ) months. Each of the accounts listed are inaccurate and unsubstantiated. I have disputed this information with XXXX, Equifax, and XXXX without success. 

These debt collection companies are furninshing unsubstatiated damaging information to my credit report without regard.