23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This afternoon I received a call from a Navient representative who called herself XXXX XXXX. She was calling regarding a missed payment. A few months ago Navient took me off an income only repayment plan and my monthly payment doubled. I was unable to make the new payment so I have been sending as much as I can per month. Apparently that makes no difference. When I told XXXX XXXX that I had not paid because I did n't have enough money in my bank account, she was incredibly rude and short with me. When I said I only had {$400.00} in my account she asked me why I could n't afford to pay at least {$300.00}. Then she asked if I was employed. When I said yes she asked me if I had a job they why could n't I make the payment. She asked me what had changed that made me unable to make payments. My payments doubled, that is what happened. She was incredibly rude and treated me like a criminal when I am in fact sending payments, just not the full amount. She made me feel awful and embarrassed. And this all happened at work, so everyone could overhear me defending myself, then arguing with the woman and finally crying. Private lenders need to offer income based payments like the Federal government does.
Product: Checking or savings account

I deposited a check to Chase bank for {$1500.00}. I was told since it was made out to XXXX XXXX instead of XXXX XXXX it was placed on hold. Then, without warning my account was closed and the funds were frozen. They didnt send me any mail about it, either, per law. 

Ive spent hours on the phone and in the branch without any resolution. They are telling me that they can not verify the funds. Im out {$1500.00} of my hard earned money. 

Im sick. This is the middle of a pandemic. I need help please. 

Thank you very much! 

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

I want to report that my identity has been stolen, a number of accounts had appeared in my credit, in the passed i had lost my wallet but although I reported to the police apparently someone is using my identity to open accounts in my name. An FTC report has been summited and is attach to this complaint.
Product: Debt collection

I received a notice from PHH Mortgage Escrow Services who took over my mortgage loan from XXXX services in XXXX of XXXX. I received a notice from PHH, dated XX/XX/XXXX, that claimed I owed PHH {$170.00}, for an escrow shortage. However, the notice did not reach my mailbox until XX/XX/XXXX. I contacted PHH immediately and informed the representative that, XXXX, the previous mortgage company had already re-accessed my escrow and charged me {$75.00}, in XXXX of XXXX. PHH representative, on my initial call, in XX/XX/XXXX told me she could see in their records what I was telling her, and that she would send a notice to escrow for a " correction. '' I have called PHH several times ( 4+ )  and each time I'm given a different date for an answer. the last date I was given was XX/XX/XXXX. I checked on line, called PHH, and keep a close eye on my mail with USPS, but still no answer! I called PHH today on XX/XX/XXXX, the representative told me Escrow just put in a note on XX/XX/XXXX, stating they do not have my Escrow information from my previous servicing company ( XXXX ). To date, I have paid escrow shortages to XXXX and to PHH totaling over {$250.00}. If PHH has taken over my loan from XXXX, it is their responsibility to make sure they have all the documents needed in order to collect money from me! since PHH took over my mortgage services, I am now paying an additional {$30.00} per month in excess of the initial increase from my previous mortgage servicing company. My monthly mortgage has increased in less than one year to nearly {$60.00} per month between the two errors!!! I am on a fixed income, and can not afford this increase in my mortgage payment from PHH!!! I attempted contacting XXXX  for PHH, and was put on hold today for over an hour and then cut off!! I have been trying to rectify this situation with PHH mortgage servicing since they sent me the notice of an escrow shortage in XXXX of XXXX. I have NEVER received anything in writing from PHH, no courtesy call, nor am I able to access ANY of their escrow information on their website. Yes, there is a balance they show in my escrow account, and the amount they paid to my first installment for property taxes, but when I make a payment specifically to PHH mortgage escrow, I expect to see evidence of that immediately on line or somewhere in a statement!!! I have paid PHH {$170.00}, for a so called escrow shortage and have not received any answer for this error!!
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : I am filing this CFPB complaint to request that TransUnion , pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), block information on my credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : XXXX. XXXX  Account : XXXX Balance : {$280.00} Opened : XX/XX/XXXX an XXXX XXXX XXXX  Account XXXX Balance {$660.00} Opened XX/XX/XXXX an XXXX. XXXX XXXX Account XXXX XXXX Balance : {$7800.00} an XXXX. XXXX XXXX Account XXXX Balance {$14000.00} Opened XX/XX/XXXX an XXXX. XXXX XXXX Account XXXX Balance Owed {$9200.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account number:XXXX Opened : XX/XX/XXXX XXXX XXXX : {$470.00} -- - These accounts have led to several unauthorized hard inquiries and fraudulent collections on my XXXX credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud. 

Enclosed is a copy of the FTC Identity Theft Criminal Complaint # XXXX ( XXXX ) # XXXX ( XXXX ) as proof from the U.S. Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.
Product: Debt collection

XXXX XXXX XXXX has claimed he was in XXXX XXXX but no proof. He has opened credit cards in my name which I never received I also never made purchases with the credit cards all the credit cards that are on my credit report from I believe XXXX of 2022 until current are open fraudulently by XXXX XXXX I never authorized this ever. Also XXXX XXXX asked me to get him a cellphone on my account and he would pay the bill he never has I have been paying it. He owes me at least {$10.00} XXXX because he keeps asking me for gift cards for me to get paid back. Im a XXXX XXXX veteran XXXX at 100 % from the Department of Veterans Affairs and I am XXXX by XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX knows this but keeps hurting my illness i hope you can help thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX XXXX {$46000.00} XXXX XXXXXXXX XXXX XXXX XXXX {$410.00} ASPIRE/DOE XXXX {$5700.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions 8 have caused significant inconvenience and financial loss, and I seek appropriate redress these violations
Product: Debt collection

CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX XXXX Is reporting a collection on my account that doesn't belong to me. I've asked them to provide proof that they have the right to this account on my creditreport. Like a copy of my drivers license. 
I was a victim of identity theft, and granted expunged record due to the misuse of my identity. The District Attorneys office in XXXX XXXX Granted my claims. A copy will be attracted.
Product: Debt collection

I have noticed AFNI, Inc, and told them to CEASE and DESIST and I've demanded information from them as well as demand that they delete this account from my credit file.

I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with AFNI, INC or anyone they claim to represent. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit reporting, credit repair services, or other personal consumer reports

National Recovery Agency violated my rights under The Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 

I am hurt that my personal information and medical records was shared from XXXX XXXX to the National Recovery agency and I want to report them because I never signed a form for a third to look and view my medical records without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, DEPTEDXXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. 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 my written instructions.
Product: Debt collection

XXXX XXXX keeps emailing me about a debt I owe to XXXX in the amount of {$260.00}. I have never had any accounts with XXXX. I have emailed them and told them this is not my debt. They continue to email me. Today I called and told them this is not my debt and to quit sending me emails. I also told them, I will be reporting these actions. I believe this is a fraudulent collection company harassing people over debts they do not owe. They had nothing on file for me that is current.
Product: Mortgage

I had a second Mortgage with Ditech. I refinanced my first and second mortgage together and Ditech was paid in full on XX/XX/19. Prior to this second mortgage being paid off, Ditech withdrew a XXXX payment from my automated payment. Once the mortgage was paid off on XX/XX/19, I had a total of {$1200.00} that ditech owed me for over payment of the payoff along with the XXXX they withdrew from my bank account. Once Ditech closed the loan and showed it paid in full, they applied this {$1200.00} to escrow which I never had an escrow on this loan since it was a second mortgage. They are trying to tell me they have 20 days to refund escrow but I have tried to explain to them that this is not escrow money and just an over payment after the loan was paid off. I have already received the escrow money from my first mortgage but for some reason Ditech is refusing to refund my over payment money to me. I need assistance in getting this money. I have copies showing where the loan was paid and how much they currently owe me.
Product: Debt collection

Short and simple. My sister used my social security number to pay for her first month 's rent with out my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

acct : Bridgecrest XX/XX/XXXX - XX/XX/XXXX this account was for a vehicle. the vehicle was totalled and the account was closed however my report says that the account is past due. it was paid in full by the insurance. the past due is XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Up until this day, 47 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 47 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or will file for litigation due to the stress you caused me. My information was impacted by the XXXX  data breach and may have gotten into the hands of the wrong person. 

The Coronavirus Aid, Relief, and Economic Security ( ChChch ) Act, passed by Congress and signed into law on XX/XX/XXXX, XXXX, contains a provision explicitly addressing the FCRA , as Butler Snow previously reported. Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681 s-2 ( a ) ( 1 ) ). 
Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by COVID-19, should not report the account as delinquent, but should continue to be reporting it as current, unless the account was delinquent before the COVID-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am writing to address several issues I have encountered with the credit bureau, including inaccurate account listings, unauthorized inquiries, errors in credit reporting, and billing discrepancies. I kindly request your assistance in resolving these matters to protect my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX collection agency I C SYSTEM added a derogatory mark on credit report per XXXX XXXX upon further research, the account was transferred /sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there is NO written form of communication, contract or signature for the accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, I C SYSTEM has violated my rights as a consumer and im requesting legal action to remove this account immediately
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In a letter dated XX/XX/year>, I notified TransUnion of inaccurate information reporting on my credit file. TransUnion provided investigation results dated XX/XX/year> on page XXXX of XXXX. In a letter dated XX/XX/year>, I requested a re-investigation and procedure used to determine accuracy, to which TransUnion never responded even as of today. This is a violation of not only the Fair Credit Reporting Act ( FCRA ), but also the Consumer Financial Protection Bureau ( CFPB ) and my consumer rights. TransUnion failed to correct the inaccurate information on my credit report and furthermore refused to re-investigate and provide a detailed description of the reinvestigation process as required under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ) as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have negative remarks that have been disputed with said companies and 30 days has passed and no updates to the request to remove the accounts that violate FCRA guidelines, and this is my second request for removal of these incorrectly listed items, the items are not reporting accurately to the credit bureaus. I have requested these entities remove these inaccurate ratings against my credit report causing severe hardship against my credit score that is in direct violation of FCRA guidelines.
Product: Mortgage

XX/XX/XXXX Case # XXXX - Bank of America Home Equity Line of Credit account Correction of past due balance {$520.00} transferred to new servicer, XXXX XXXX XXXX as of XX/XX/XXXX we are requesting Bank of America to correct ( BOA ) the error made on our account which was then passed on to the new carrier, XXXX XXXX XXXX  ( XXXX  ). The root of the issue resides with the error BOA made on our account and XXXX  refuses to correct that error and has used it as a basis for continuing to declare that our account is in default, which is false. 

PLEASE CORRECT THE ERROR BANK OF AMERICA MADE ON OUR ACCOUNT AND COMMUNICATE THE CORRECTIONS TO THE NEW SERVICER THAT YOU MADE AN ERROR. The mis-information/error of the past due balance of XXXX was transferred as of XX/XX/XXXX to new servicer, XXXX XXXX XXXX  As a result, XXXX XXXX XXXX  has used this incorrect past due transfer balance of {$520.00}, thereby affecting our current balance and credit. XXXX response letters stated that BOA reported us as delinquent as of XX/XX/XXXX and continues to demand payment. 

Please assist us to resolve this BOA collection balance error that has been an issue since XX/XX/XXXX with XXXX XXXX XXXX. Attached are our supporting documents & response sent to Florida Office of Attorney General.
Product: Debt collection

I am writing to you with utmost urgency regarding a fraudulent account that has appeared on my credit report. It has come to my attention that an account has been opened under my name without my consent or authorization. This is a blatant act of identity theft and I demand immediate action to rectify this egregious situation. XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Syncb/Lowes is reporting an erroneous late on my credit file for XX/XX/2020. I made this payment on time, and I should not be reporting any lates. I am requesting that Lowes fixes this issue as it is affecting my credit file.
Product: Money transfer, virtual currency, or money service

Today on XX/XX/18 I purchased a {$50.00} e-gift card on XXXX XXXX website through XXXX. The company authorized the purchase, took my money, then pretended that I requested a refund and then never sent the card to my fathers email. Theyre now withholding my money and card from me. 

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

I have new and updated information regarding my consumer report. 

I have previously disputed alleged accounts for XXXX XXXX XXXX XXXX  XXXX, XXXX and Department of Education however, Experian alleges it performed an investigation and the items I disputed were verified as accurate. Pursuant to 15 USC 1681a ( e ), an investigative consumer report was to be completed upon my request however it was not. Furthermore, neither Experian, XXXX nor any creditor can verify that any information on my consumer report is factual information. Only I can, as I am the consumer. I am verifying that the following accounts are not factual and must be blocked and deleted from my consumer report : 1. XXXX 2. Department of Education 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX Experian must edit the reporting for the XXXX XXXXXXXX XXXX account and report as closed by consumer and adjust all late payments to show as paid on time/paid as agreed. Also report the balance as paid in full for the XXXX XXXX XXXX account. 

I also confirming that the late payment reported by XXXX XXXX is inaccurate and must be deleted and reported as paid on time/paid as agreed.
Product: Credit card

I have always paid this card on time, last month I was sick an in the hospital. Once released I had paid my bills and thought I had paid at home. They decreased my credit limit thus putting over my balance. I understand it is the right of the creditor to decrease or increase the balance but if they decrease it close to or below the amount owed it not only pushes pass me credit limit but it also affects my credit score. This is a bit drastic for one late payment.
Product: Debt collection

I've received numerous calls from AR Resources XXXX XXXX at XXXX. On XX/XX/18 at XXXX I spoke to an agent and asked to be removed from their call list. She confirmed that I would be, and yet I'm still receiving these harassing calls. I have no debt to be collected, so this call is not for me.
Product: Credit card or prepaid card

On XX/XX/2023 I went into the Wells Fargo Bank in XXXX WA, I requested a cash advance in the amount of {$5000.00} against my XXXX XXXX. I was informed it was declined by Wells Fargo and received no monies. I went home to call XXXX to inquiry why it was declined, XXXX had informed me that the cash advance had been processed and Wells Fargo had received the money. I went back to Wells Fargo, they claim they never received any monies, however my XXXX statement shows the {$5000.00} cash advance and the cash advance fee had been charged. I was assured by Wells Fargo it was given to their escalation team and that I would be contacted within 2 business days, I have received no call by escalation team and do not have my {$5000.00} it is my understanding the 48 hour contact is a requirement by law, I am being charged interest and fees for monies I have not received.