23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Conns Home Plus has been contacting me for days and days at a time to collect on a debt that is owed to them. Yes I will say that my payment is late for the month. I have tried in the past to call Conns to let them know that my payment would be late so I would not get the calls and still ended up getting calls. So now when I am late it is no need to speak to them because they wont honor they agreement to stop calling. Now moving foward to the present time. The company is calling me from a number that is showing up as a XXXX XXXX instead of Conns or even with a name listed to get me to answer the phone. When I called the number back I told the person who answered the phone to stop calling this number less than 2 minutes later the phone rings again and it is someone else calling from the same company again from the same listed number. They will not leave me alone. I feel as if I am being harrased by this company and no matter what I do they will not leave me alone. Yes I am late on my payment but when I speak to them they still call the next day and the next day and I have to repeat the same thing that shouldve been notated in the account
Product: Debt collection

Debt collector is XXXX XXXX XXXX XXXX, a/s/o GE Money Bank, a/s/o Sam 's Club Acct : XXXX XXXX. Amount exceeds {$1800.00}. Debt incurred in 2009 and ten years have elapsed without incurring further obligation or extending the original contract. Account is uncollectable because a 10 year statute of limitations applies in the State of Illinois ; however mailings and several phone calls per week continue.
Product: Mortgage

Despite multiple requests, PHH has failed to provide the contact information for the investor of our loan. PHH has violated RESPA and continues to provide conflicting information around our request for assistance. We have been going through this process for almost two years. No one is hearing our side of the story.
Product: Checking or savings account

My name is XXXX XXXX, and I am writing to you regarding an issue I am experiencing with Chase Bank, which has not returned my money for the past XXXX months. 

On XX/XX/XXXX, I obtained a money order from Chase Bank for {$27000.00} to pay off my XXXX XXXX XXXX. The check was mailed to XXXX XXXX, but after 30 days, XXXX informed us that they had not received it. Out of concern, we canceled the check and planned to issue a new cashier 's check. 

XXXX conducted an investigation that took XXXX months, concluding on XX/XX/XXXX, XXXX and they had told me that I would get those funds back into my account XXXX to XXXX weeks later. However, I still have not received the funds, and it has now been XXXX weeks since the investigation concluded. As a result of this delay, I am now being sued by XXXX XXXX because I can not pay the car off without that money and my credit has been ruined due to their lack of negligence. You are assistance would be greatly appreciated as soon as possible due to the fact of being sued. 

Thank you.
Product: Credit reporting or other personal consumer reports

Over XXXX MONTHS ago Chexsytems said they would send me my security pin number in the mail in order for me to take off the security freeze on my credit report. I have yet to receive the pin to lift this unwanted freeze. This is hindering me from getting a bank account and negatively impacting my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I've asked for verification and validation of these accounts ... .I 've spoken with a rep at the courthouse and the courthouse and the courthouse doesnt share information with the credit agencies therefore the reported BANKRUPTCY XXXX XX/XX/XXXX needs to be removed IMMEDIATELY. This is my XXXX  and final request for this removal. Failure to remove this account is a FCRA VIOLATION WILLFUL NON COMPLIANCE and I shall be seeking compensation per violation. XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX is in violation of STATUE OF LIMITATIONS FOR REPORTING THESE ACCOUNTS, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX said they verified this account and failed to provide details and contact information for this alleged verification I'm also requesting a copy of my written consent to report any of these items on MY CONSUMER REPORT
Product: Debt collection

I paid this debt in 2013. I have repeatedly told this company i do not owe them money but they continue to send me harrassment letters and threatening me with jail time and check fraud. I did none of theses! Here are my payments made XXXX/XXXX/2013, {$200.00}, Confirmation # XXXX XXXX/XXXX/2013, {$200.00}, Confirmation # XXXX XXXX/XXXX/2013, {$180.00}, Confirmation # XXXX
Product: Mortgage

Wells Fargo has apparently been charging us 4 times the escrow for an adjoining property for the last number of years. My wife was disconnected 4 times today the web site will not allow access. We can not get any traction with this lender for clarity or a resolution.
Product: Debt collection

I was working for a XXXX when XXXX declared Bankruptcy. I was under a lease with XXXX and explained the situation to them. I was only a few months in my lease when it happened. The front office of the apartment complex understood my situation and told me they wouldn't try to collect any money from me due to extenuation circumstances.  They never tried to contact me about payment or mail me anything. The only reason I found about about this debt is because I checked my credit online and found it. I did not receive anything in writting nor other communication attempts. I also did not receive notice to dispute this debt.  I moved out of the complex in XX/XX/2009, and the report is dated XX/XX/2009
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from XXXX XXXX XXXX XX/XX/XXXX financed through XXXX XXXX. All payments were made on time through the payment portal on www.myfexaccount.com per instructions from the dealership. 
When attempting to make the payment for XX/XX/XXXX the website for www.myfexaccount.com re-routed me to a website XXXX ; not knowing what this site was, I did not input any information. I began to reach out to the dealership and company to inquire about the website rerouting to find out the following. 
1- The dealership that I purchased the vehicle from was no longer in service and not at the location I purchased from when I attempted to visit the dealership for answers. ( I am unaware as to when the dealership closed. ) 2- I began to call the number and email the website listed on my Credit report for answers ( no other contact information was ever given for XXXX XXXX ), no response has been received. Currently the XXXX XXXX website is not an active website and emails for XXXX XXXX come back as undeliverable. 
I then filed a complaint with the Better Business Bureau XX/XX/XXXX and their investigation yielded no response from the financial company XX/XX/XXXX. 
Someone called me on XX/XX/XXXX stating they were a representative of XXXX XXXX and I allowed a one-time payment over the phone, no receipt was ever received. However, I have my bank statement to show the transaction. Then without consent or communication, they processed a payment without authorization on XX/XX/XXXX to my credit card. I attempted to contact the company again, as well as attempted to log into the XXXX account to pay my XX/XX/XXXX bill, but the system does not recognize my information and again I began to reach out to someone at XXXX XXXX for assistance, I have yet to receive a response. I also called the XXXX website provider for assistance, and they have no record of my account or vehicle information in their system to assist with access and payment. 
I was never given any communication about the dealership going out of business or any changes that were being made to the payment system or website as well as instructions for the new platform or reporting structure. I have never received any communication from XXXX XXXX after several attempts. I have never received any communication from the company. I am requesting the company to send all information related to my vehicle lease. As well as instructions on how I am to obtain the title information once payments are completed. 
It has also just come to my attention that the company is now reporting negative late payments in my credit report. XXXX XXXX has not provided any information for customer support. XXXX XXXX has yet to respond to any communication attempts from myself or The Better Business Bureau.
Product: Checking or savings account

I applied for an account with the online financial service N26 on XX/XX/2021. They took all my information including my social security number and images of my drivers license to verify my identity and then gave me a message in their app saying they needed to speak with me through their customer service for security purposes. I called the number they gave me, gave them my personal information again, as was told we can not open an account for you at this time. When I asked what the problem was they said, and I kid you not, We cant tell you. What? How is that legal? Im not bothered that I cant open an account, Ill open one with a different online bank ( I interested in changing from my current account at XXXX to one of the new online banks that dont charge any fees ) but I am very bothered by the fact that they have my information but wont share what is causing them to deny my request to open an account. After a bit of searching online I found an entire thread of people complaining about the exact same issue. If N26 is going to operate here in the U. S. it seems to me that they should have to explain what criteria or issue it is that prevents them from opening an account. Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Student loan

I initially submitted my XXXX request to Mohela on XX/XX/XXXX. They only consolidated my loans in XXXX of XXXX XXXXr. The payment counts are incorrect between the XXXX consolidated loans even though both loans were taken out and later consolidated at the same time. I submitted a second updated waiver in XX/XX/XXXX but they still have not processed that. With the waiver my loans should be forgiven.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I have filed a police report as well as federal trade commission report. Also my information has been exposed in the data breach between trans XXXX and XXXX. 
I have provided this information multiple times along with social proof of address and ID and they still keep putting fraudulent account back on my credit profile which has been documented that it is due to identity theft I have dispute it multiple times every other 30 days or 31 days and still the same issue Very frustrating to know that my information has been exposed without my knowledge and also that my information is being used fraudulently this has been and on going issues since XXXX  and still not resolved also XXXX is reporting my address incorrectly Ive submitted my ID multiple times to let them know the correct spelling of my address and they still have not updated the correct way of my address. I have disputed this over 13 times. My address is XXXX XXXX. It should XXXX XXXX which makes a difference. Im not receiving correspondence from them like I should because my address is wrong on profile. They still have not fixed the issue and still giving me a hard time by changing XXXX XXXX XXXX when I provided all documentation.
Product: Debt collection

XX/XX/XXXX, I received from XXXX XXXX XXXX Notice of Intent to Foreclose for a lender and amount ( XXXX ) I was unaware of. When disputed, they informed me of the original debt was with PNC Bank. While, I was familiar with PNC, the debt was charged off in XXXX. For seven years, there was no communication from PNC or XXXX XXXX XXXX XXXX, indicating it had been turned over to a new servicer. 
Throughout the dispute, XXXX XXXX XXXX XXXX back dated interest, and late fees from XXXX until the XXXX to support their Intent to Foreclose notice. All of which was discovered during the process of negotiation with me hiring an attorney. XXXX XXXX XXXX XXXX agreed to forgo additional fees and only to pay $ XXXX However, they submitted updated Notice of Intent to Foreclose for $ XXXX themselves as 1st Position. The information regarding Loss/Mediation wasn't forwarded to me until XXXX of XXXX It was later discovered that XXXX XXXX XXXX XXXX was not licensed to act as a debt collector in Florida, Maryland or anywhere on the consumer licensing information site. Since they are unlicensed and my former attorney informed them they were to cease with collecting, that have now signed my Deed of Trust over to XXXX XXXX XXXX. Unfortunately, my attorney has withdrawn from the case and I am left without any resolve.
Product: Checking or savings account

On XX/XX/XXXX XXXX said on my statements that I took XXXX out as an ATM transaction. They also said I took the same amount out on the XXXX. When I bought this to their attention it took a long time for me to get the right person to look at it. They then gave me a provisional credit on XXXX transaction but not the other. After I had used some of it they said they reversed the decision. I asked for the name and location they told me it was on XXXX and XXXX XXXX, which is an intersection. All my atms have had names but this one they have no name for the ATM. When they reversed the funds they also took funds that were already in my accoutwhixh was around XXXX. They then put another XXXX on my account and immediately took it back and called it a miscellaneous charge. I don't know what that is and I did not have access to any funds. They wrote me a letter in XX/XX/year> and said that I knew about the funds because I had been using my account. I have several accounts and I am not good at checking often at my balance unless something XXXX ng serious had gone wrong like missing funds. I'm good at keeping this info in my head.This bank also did not transfer funds to my other accounts when they were suppose to, because I eventually called XXXX XXXX and asked why the funds I transfered are not available and why the date keeps changing. They told me XXXX never released it to them so it remained on hold.Because of all the false charges I am terribly behind on my bills, getting evicted and am in true poverty. Please help me get answers. This bank has never allowed me to take XXXX out at a time. I'm still going over my statements and checking them with my other accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE CREDIT INQUIRYS ARE LISTED ON MY CREDIT REPORTS THAT I NEVER AUTHORIZATION
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I received a notice on my credit report that a debt collector by the name of TransWorld Systems Inc reported to XXXX that I had a past due balance of {$530.00} owed to XXXX. I have never had any agreements or business with XXXX or Transworld Systems Inc. I have never received any notices from either company in regards to the matter. I have tried to contact Transoworld Systems Inc with no success. I have contacted XXXX and spoke to a representative by the name of XXXX ( Customer Care ID number XXXX ) on XXXX who confirmed that I do not and have never had an account with XXXX however could not provide me with a verification letter. I have filed a report with the FTC regarding the XXXX and Transworld Systems Inc ( ref report number XXXX ). On XXXX I spoke to representative from XXXX by the name of XXXX and asked what information was used to verify this false account that I had disputed and she informed me that she could not give out that information but that I would have to contact XXXX  or Transworld Systems Inc for that information. 

I am requesting that the information used in the investigation be provided to me or removed from my credit report under 15 USC 1681a2 as I have not given written permission or have any agreements to have the accounts in question furnished to my reports.
Product: Credit card

A payment was made to my credit card on XX/XX/XXXX via the Barclays website. Which was the same day as the XXXX XXXX XXXX The account had enough funds to cover the payment, but barclays marked the payment as insufficient funds. They ran the payment again after the XXXX issue was resolved and the payment processed no issues. I called requesting the fee be removed and was told the XXXX had nothing to do with the returned payment. Even though it obviously did because the funds were in the account.
Product: Checking or savings account

XXXX TOO Long and this wont deter me. I will go to the XXXX, and then all way up the XXXX XXXX XXXX what was done to me and checking acct. XXXX was criminal and illegal I dont need you and this unmanned process of non protection to help. You have started with two weeks and then you drag me around and dont hold anyone else accountable I have banked there for almost four years. I left XXXX XXXX XXXX XXXXo go there because of XXXX and the unsafe and unsecured feelings the XXXX was giving off in XX/XX/year>. 

No you allow these people to drag me and still shake my faith and belief in a federal system of banking. STOP IT stop dragging me around. 

My XXXX XXXX XXXX XXXX  and that was XXXX XXXX weeks. How is it in this unprotecting section are you granting them anymore time. I have allowed them to steal my funds > XXXX for more than XXXX months. Are they going to give me double my money? XXXX Do you job XXXX XXXX
Product: Credit reporting or other personal consumer reports

The last complaint as quoted below from XX/XX/XXXX came back as verified accurate although no verification methods were provided when requested. None of the results were fixed as the reporting of the accounts listed below are still inaccurate and therefore against FCRA guidelines. 

In accordance with the fair credit reporting act the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX Account Name : DEPT OF ED/XXXX, Account Name : DEPT OF ED/XXXX, Account Name : DEPT OF ED/XXXX, Account Name : DEPT OF ED/XXXX, Account Name : DEPT OF ED/XXXX, Account Name : DEPT OF ED/XXXX, Account Name : DEPT OF ED/XXXX, has violated my rights. I looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am getting numerous calls which my phone tells me is from XXXX WA. I get a recorded message that tell me it is about debt collection and it gives me XXXX phone numbers to call : XXXX and XXXX. It tells me to refer to case number XXXX. I know this is fictitious because I have no debts. I have not called the number because I think this is a scam. The incessant calls are annoying. I am supposed to be on the " do not call '' list.
Product: Debt collection

first Reported XX/XX/2023, and this is also and this is Not the original debt collector, this debt is a charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Report act. The following account below have been violation my federally protected consumer rights to privacy and confidentiality pursuant to 15 usc 1681. Section 602. A which states that I have a right to privacy. also, they have violated my rights under The Financial privacy Act of 1978, and credit denial in violation of 15 usc 1681a ( k ) .this entity also violated 15 u.s.code 1602 ( p ) .also violating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX  & XXXX XXXX XXXX XXXX XXXX XXXX SERVICES They ( credit furnishers ) have violated my rights, restraint of trade in violation of 15 USC1,15 USC 2.

Additionally, it clearly states under 15 USC 1681 SECTION 604 SECTION 2, that a consumer reporting agency can not a furnish an account without my written consent..

15 U.S.CODE 1681c ( a ) ( 1 ) SECTION STATES ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information.. 

XXXX. Late payments