23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We obtained a reverse mortgage thru liberty home solutions. For the mortgage the lien was to include our home and XXXX acres. We also have XXXX acres that is ajacent to our home. When the lien was recorded it was placed on our home and the XXXX acres. The co.has admitted the error and told us the would rectify the problem, It would take no more than 6 weeks. We started this process XXXX. We were in contact with XXXX XXXX XXXX at XXXX XXXX XXXX she was the only person that could handle our account XXXX she said 6 weeks total time to finish. We called here every week to check on progress and all she would say is it is on somones desk and she can not call them as she has no phone number for the co.only an email address. after 8 weeks she refused to talk to us. We were able to contact XXXX XXXX at annother office and she was able to put us in contact with XXXX XXXX who told us he could take care of the problem that was three weeks ago.The first week he called and said he needed the legal descrlption of the property. He the called and said he had someone, a title company to fix the error. A couple cays later we called him and he said that they would not fix it.Last friday XXXX he called and said he had a new title co.that was going to fix the error. He said he would call us on monday XXXX but as usual he did not call us and will not call us back. We had our properyt the XXXX acres sold and they were supposed to close on XXXX the buyer is doing a XXXX land exchange and stands to be penalized XXXX if this sale is not completed by a certain date on XXXX. We are now at a standstill no one will talk to us they wont return our calls or take their phone when we call. We leave messages but they dont call us back. We need them to release the lien on our XXXX acres and have the lien on our home and XXXX acres as it was supposed to be. The company is now named XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been contacted by Linebarger Goggan Blair & Sampson, LLP acting as a 'debt collector '. The actions of Linebarger Goggan Blair & Sampson, LLP as a 'debt collector ' include the use of coercion and harassment to procure unlawful and illegal payments for an 'alleged debt ' and violate 15 USC 1692 and THIRTY-NINTH CONG. SESS. II CH. 187, 188. 1867, page 546, XX/XX/1867 CHAP. XXXX ( see attached ).. I do not know, nor do I have any contract with the entity Linebarger Goggan Blair & Sampson, LLP.
Product: Debt collection

NPG National Principal Group XXXX has been calling my cell phone several times a day leaving screaming messages, threatening to use any means necessary to find a family member of mine. They use a recording to state the family member name they are looking for but the rest of the message is live. They state I need to call them right now and provide them the information they seek regarding this family member or they will continue to use any means necessary to locate this person. I called them, a woman answered when I asked for her name and her company name because she just picked up the phone with " hello '' she began screaming at me wanting me to give her my cell phone number. I told her I was n't giving any information until I knew who she was and what company. She said XXXX and NPG. I asked what NPG stood for and she screamed at me stating I needed to allow her to assist me by giving her the information she asked for or she would disconnect. She stated I better let her assist me or she was disconnecting then counted to XXXX and hung up. I called back she answered again. I told her she could tell me what her company name was and why she would be looking for a family member or I would not help her. She then said she could not tell me the " plethora '' of things her company did. I asked what NPG stood for and she finally gave me National Principal Group. I again asked why they would be calling me about a family member. She stated she could n't tell me that until I gave her the family member name or my cell phone. I told her I ca n't give her anything until she tells me what her company does, she again refused to tell me what her company does. I said well then I ca n't help you with the information you seek from me and I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law to resolve this matter as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Their application process is broken and poorly ( perhaps deficiently ) disclosed. As an initial matter, my spouse and I have credit freezes in places ( who doesn't post XXXX  and all the other breaches ). After ( emphasis on after ) applying, we are told that our application is rejected and we need to lift our the freezes in order to apply. 

Why HSBC is using CRA reports in the first instance for a product where they aren't extending credit ( assessing default ) seems problematic. What happened to the XXXX  reports for banking account verification. Moreover, we did not recall seeing any disclosure regarding CRA reports, nor on double checking was there any mention in the terms & conditions of the product landing page that they would pull CRA reports. If HSBC is going to pull reports -- say so unequivocally upfront and tell people to lift any freezes. 

We lift the freezes. We apply again on XX/XX/XXXX, and go through the whole rigmarole including upload proof of address ( internet utility bill ). This time the application accepts as pending, and they initiate trial deposits on XX/XX/XXXX to verify my existing bank account info, which we verify. Then on XX/XX/XXXX, HSBC again declines our application : " because were unable to verify the address of the applicant ''. This is odd as we submitted substantiation of our address.

We call, and after speaking with 3 or 4 people get to the appropriate team and ask was there some issue with the upload -- did you want a bank statement or pay stub instead? No, it was an issue with your CRA reports -- something -- can't tell you what -- did not match. Please call them and fix *something* with your CRA reports and try again. Very helpful. 

So the HSBC is saying we've received your proof of address, we've verified your existing bank -- in order words you are who you say you are -- but no dice opening the account ( because of some undefined/undescribed issue with your CRA reports that ( as far as I can tell ) we didn't tell you we were going to pull ). 

As a further note, HSBC 's decline email did not reference the CRA reports. The email did not say that HSBC relied on such reports nor provide any disclosure as to which CRA should be contacted to resolve this issue. Our impression was that there is some obligation to disclose this to the applicant/consumer in such situations ( but perhaps this scenario does not fall within the FCRA? ), but leave it to you all to confirm.
Product: Credit reporting or other personal consumer reports

TRANSWORLD SYS INCXXXX XXXX {$4100.00} XX/XX/year> The above listed account was wrongfully reported to my account I do not in fact owe TRANSWORLD SYS INC and would like this removed and deleted from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

Since XXXX pac auto finance have been sharing my information with third party companies, I reached out to the company and they said they sold my information to a third party company named XXXX XXXX XXXX which should not have my private information without my knowledge or consent pac auto is responsible for this violation 5 USC 552 ( a ) ( 16 CFR 313.7 433.2-433.3 The privacy Act of XXXX restrictions against all companies sharing personal information including my social security number without my consent
Product: Debt or credit management

Issue with : Alliant credit union, XXXX XXXX and XXXX XXXX ( out-of-business ) I was sold solar panels through XXXX XXXX with a XXXX XXXX so I'm now curious, since the company is out-of-business and virtually untraceable, does my lifetime warranty continue still and to whom to I report an issue to now? I want answers as to why these shady solar companies are allowed to do business and offer such warranty though the company is very expendable. It's almost like they exist to just financially wreck people and then just close only to reestablish as under a different name until that name is also sullied. Beyond that is the fact that I was great over-charged by an immense sum, so much so that II can not refinance due to the enormous debt-to-income ratio given the nearly {$70000.00} lien/second mortgage which far exceeds the 50 % value of this quaint little home. I already mentioned how XXXX XXXXXXXX jacked up the month rate because I couldn't come up with {$30000.00} right out of the gate to satisfy some alleged clause they may or may not have in their paperwork. I mean they did sign a deal with the XXXX teaming up with XXXX so I would question ethics here, and paperwork. Also too Alliant Credit Union has some say in it all yet they try to absolve themselves by passing the blame off on XXXX. Can something be done about these folks pillaging consumers left and right?
Product: Debt collection

IQ Data International, XXXX WA, contacted me on XX/XX/XXXX claiming to be an employer trying to follow up on a job application. 

On XX/XX/XXXX they contacted my mother, XXXX, claiming to be a lawyer trying to resolve related to a criminal complaint filed against me. 

on XX/XX/XXXX, IQ data contacted a friend of mine named XXXX, claiming to be an employer attempting to follow up on a position that I have allegedly applied for. 

on XX/XX/XXXX I made contact with this agency, speaking with XXXX XXXX, who processed a payment for {$500.00}. After this payment was made, my credit card information was unlawfully stored and used again to process another payment in the amount of {$1200.00} dated on XX/XX/XXXX that was not authorized. I received a letter on XX/XX/XXXX stating that per a discussion on XX/XX/XXXX ( that never took place ) a post-dated payment was made. This agreement was not discussed nor approved. 

This amount was disputed with my bank on XX/XX/XXXX, a police report was filed on XX/XX/XXXX to report fraud, and a formal complaint has been filed with Washington AGO. 

No written correspondence of debt prior to harassing phone calls. 

Use of automatic phone dialing systems. multiple calls per day, will call from multiple different numbers per day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed an accounts on my report that is not mine XXXX XXXX XXXX
Product: Checking or savings account

We have been using USAA checking and other services for many years. In early XXXX, we had one instance in our checking account where we noticed that our checking account was in the negative. We thought we'd had an overdraft account with associated with this account, but it turns out we didn't. We immediately transferred in {$1000.00} to cover the deficit, but apparently it was too late. Soon thereafter, I tried to deposit my payroll check- USAA put around {$3000.00} of the check on hold for over a week. I was only able to access {$500.00} of my check. This has now happened about 4-5 times. Each time I can only access {$500.00} no matter how big the check is. 
This has caused problems for us how to wait a week before paying bills and during this time we had a vacation planned which caused a good deal of stress. Each time I have called customer service- twice they have been able to waive the hold. Customer service really has no ability to make a decision, it sounds like it's based on a computer algorithm. Please note, we are not chronic overdrawers- the overdraw was probably the first and only on our checking account in 15 years. I have asked to speak to managers and I'm usually not able to but once I spoke to the XXXX  of Customer Relations I believe and he made it sound like everything would get worked out but I never heard from him or anyone else afterward. 
We'd like to switch banks at this point, but we're very busy and it would be such a hassle with automatic payments and making sure everything is switched over because we'd also have to switch our auto insurance, home insurance, renters insurance, life insurance and more because all of our payments are going through USAA. 
I feel like our money is being held for ransom. If they held {$500.00} I can understand that, but to only allow us to use {$500.00} out of a {$3500.00} check is completely unreasonable. I hope something can be done to prevent USAA from doing this now and in the future.
Product: Money transfer, virtual currency, or money service

I am trying to link my bank card to the app XXXX XXXX and it is not letting me I would like to have fix the issue
Product: Debt collection

FYI I sent 2 of this letter to this company and never has a response fro them To : MIDLAND CREDIT MANAGEMEN XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX Re Acct # XXXX This letter is my second letter regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " VALIDATION that is competent evidence bearing my signature and or any type of ID showing that I have ( or ever had ) some contractual obligation to pay you. I am also requesting any type of document that proves your company has the authority to collect debts in my state. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] if you can not validate the debt, you must request that all credit reporting agencies delete the entry ASAP. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$10000.00} in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
For the purposes of 15 USC 1692 et seq, this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. 

Thank you in advance for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting

XXXX banks are reporting wrong as XXXX XXXX XXXX, XXXX and XXXX should notbe their! XXXX accts were paid in full 15 yrs ago and XXXX did n't beloing to me! XXXX credit bureaus are reporting wrong XXXX, Experian and XXXX
Product: Mortgage

It appears our property taxes have not been paid in full for our home by our mortgage company, US Bank. The property taxes are required to be paid through our escrow account. 

When we received a first notice about this in XXXX, I immediately emailed my loan officer and the servicer he works with. They said they would take care of it immediately. I emailed again on XX/XX/XXXX to follow up and never heard back. 

Today, in XXXX, we received a letter from our city collections office noting that there is an outstanding balance on our property and that it has accrued interest and will continue to accrue interest daily. 

( We have made all mortgage/escrow payments on time. )
Product: Credit reporting, credit repair services, or other personal consumer reports

never applied for a credit card or have ever contacted this company who ran a credit check which shows on my credit report. 

Comenity capital XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I had contacted the company that held the loan Wells Fargo and was told to contact XXXX and XXXX XXXX neither company resolved this issue. After the investigation was complete their data was still wrong and shows a debt of XXXX which hasnt been paid in for XXXX days. The loan was bought out by another dealership as I purchased a new car. The loan is no longer under my responsibility and was paid off by the dealership.
Product: Credit reporting or other personal consumer reports

i never requested to get my credit inquiry for inquiries mentioned below : A FEW OF THEM ARE 6 TIMES OR REPEATED AFTER XXXX MONTHS. PLEASE REMOVE THIS - THIS WAS NEVER APPROVED OF ME TO GET INQUIRED. 

XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX Inquiry : XXXX XXXX, 2023 Automotive ( XXXX ) XXXX -- - XXXX XXXXXXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX : XX/XX/2023 Automotive ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX  Inquiry : XX/XX/2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX : XX/XX/2023 XXXX XXXX XXXX ) XXXX -- XXXX XXXX XXXX XXXX : XX/XX/2023 Finance/Personal ( XXXX ) XXXX -- XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX -- XXXX XXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX  XXXX : XXXX XXXX, 2023 Bank ( XXXX ) XXXX -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Finance/Personal ( XXXX ) XXXX -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 Automotive XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I submitted a complaint to the FCC ( Ticket No. XXXX ) re a Company I have been paying on a recurring basis by credit card from USAA FSB. This Company has yet to respond to me or the FCC. My only remaining option, or leverage, is to stop paying them in hopes they will respond and resolve my complaint. 
To that end, I contacted USAA on XX/XX/2020 and asked them to no longer honor the recurring payment. The gentlemen I spoke with ( XXXX ) was extremely courteous and understanding of my problem ; but said they could not honor my request. He further said there was no facility for doing so and once I gave a vendor my credit card info they could submit, and have honored, charges into infinity. My only 2 options are to dispute charges after the fact or to cancel my card and start over ( a move requiring considerable time, effort and possible  issues with my credit. ) If, according to XXXX I had set up a debit card for the payments, then I could suspend or stop same. He could not explain why one but not the other. I have been with USAA for approx. 53 years. 
Through XXXX I, according to him, registered a complaint to USAA but would not necessarily receive any feedback, answer or resolution.??? 
It is inconceivable to me that I can't, through the issuing institution, stop recurring payments on a credit card. Even if I'm willing to pay a fee ( similar to a stop payment on a check ). 
Hope you can help me with this. Thanks
Product: Debt collection

A  XXXX   XXXX , from ASSET LOCATION SERVICES, contacted ( called  )  my employer on Friday  XXXX / XXXX /  XXXX   around  XXXX  CST, regarding a debt that I believed to be satisfied. She began to give personal information about this debt to my co-worker, who then transferred the call to me. I advised  XXXX   XXXX , NOT TO CONTACT ME OR MY EMPLOYER AGAIN. I told her she was welcome to send me something in writing. I again advised her NOT TO CONTACT MY JOB. She then Hung up.   On Tuesday  XXXX / XXXX /  XXXX   about  XXXX   CST   XXXX   XXXX  again contacted  ( called ) my plac e of employment and again advised my co-worker that she was calling me regarding " me committing fraud ''.    XXXX   XXXX  then immediately called back and spoke with my direct  manager  and again advised her that she was calling in regards to ME committing a fraudulent act against a company. I immediately contacted them again and let her know that i would be filing a complaint and no to contact me again and to send something in writing.   I spoke with her supervisor  XXXX   XXXX , who then proceeded to ask me questions about assets they plain to put a lien on regarding a debt of  XXXX . I advised  XXXX   XXXX  to stop threatening me and to send me something in writing.    XXXX   XXXX  then contacted  ( called ) m y uncle who is in California and again gave them personal information and advised my uncle that they were investigating me for fraud. I have asked them repeatedly to stop calling me and my place of employment and they have not complied. They have also resorted to calling my family members to shame or scare me into paying this bogus debt. If indeed this is my debt. I intend to pay it, however, I do not like being harassed or bullied or shamed into something I may have overlooked or that could possibly not be mine.