23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Please refer to my earlier CFPB complaints about this bank ( ally bank ) : XXXX XXXX My husband was told by XXXX ( from Loss and Prevention Department XXXX and email XXXX ) that the entire will be taken care of. I had already wasted 45 minutes last week in terms of dealing with them. Another 1 hr 45 minutes yesterday to contact the Loss Prevention department. Yesterday i was told that my husband should be speaking to them-I have no idea what's going on? 
My husband has already spoke to them multiple times and sent numerous emails. 

This bank is very notorious and cheap - very long wait time - around 2 hours some of the time-why not they hire US Workers locally. 
It's not at all clear what needs to be done ... my spouse was told to send {$3200.00} so that account will be closed. He already instructed them via email. 
We had a check of {$830.00} which for more than 2 weeks back was deposited. We have no idea what happened to the check?

Yesterday i received this letter from them to pay them money ... after that myself and spouse are wasting time to reach out to them and on hold of more than 2 hours. This XXXX guy is not available ... if we speak to somebody else ... we get a different story ... this bank is really good for nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX BYMAILONLY XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX EXPIERAN XXXX XXXX XXXX XXXX XXXX , CA XXXX BY MAIL ONLY Re : Acct # XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim I owe {$150.00} on a XXXX account. This is a formal notice that your erroneous claim ( s ) is/are now disputed.

This account is far beyond the 7-year mark and yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Just the fact its over the time allowed to be reported, it needs to be removed. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completenesss of the information is hereby requested.

As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( Experian, XXXX, XXXX ) from your  company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 

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. This is a request for information only, and is not a statement, election, or waiver of status. 

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Every month I put in a request to update my personal information but the credit report keeps showing up the same information each month, nothing is being resolved I keep getting denied for new credit or loan I only have XXXX active hard inquiries open and XXXX hard inquiries non active but it keeps reporting to my reports which Im having difficulty establishing new credit / loans
Product: Mortgage

I have conventional mortgage that Rocket Mortgage has purchased and begun servicing from XXXX XXXX  XXXX. Rocket Mortgage promoted bi-monthly payments as a way of paying down the mortgage quicker. I therefore enrolled. 

Upon reviewing my first couple of statements, I noticed that Rocket Mortgage was not apply my payments as soon as they received them, rather they would hold them in an " unapplied '' status until the second payment of the month arrived, then applied both. During the time that my first payment was held in unapplied status, I continued to accrue interest on the loan and was not credited for any interest on my partial payment help in suspense. 

I have since unenrolled in this program as it is deceptive and it of no benefit to me but a benefit to the servicer since they are holding the monies interest free. I have now replaced the payments with a once a month autopay of the full payment amount. However, Rocket Mortgage still has a partial payment in " unapplied '' status that is leftover from the bi-weekly payment enrollment. XXXX full months have passed and Rocket Mortgage has received and applied XXXX full payments from me. However, they still have not swept and applied this partial " unapplied '' payment they have held in suspense since XX/XX/XXXX ( almost 60 days ) If the servicer is not required by law or contract to apply payments more frequently than once per month, they should certainly at least apply ALL unposted monies on the account at the same time they are apply the new full payments. 

I find this servicers tactics deceptive, dishonest and probably in violation of consumer credit regulations.
Product: Debt collection

I have no idea why these people ( Portfolio Recovery ) keep calling me. I have an excellent credit rating and am not in arrears with anyone
Product: Debt collection

I first received a letter from XXXX XXXX XXXX XXXX XXXX XXXX. in XXXX of 2017, their letter which is attached was dated XXXX/XXXX/2017, and immediately sent them a letter disputing this alleged debt and asking for them to verify it. I received nothing back until just recently, letter dated XXXX/XXXX/2017, which clearly shows they totally ignored my letter which they received on XXXX/XXXX/2017 and was sent USPS Certified Mail with Return Receipt. I am asking XXXX XXXX XXXX XXXX XXXX XXXX. to either verify this alleged debt or delete this from their records and from my credit report if it was reported. They also have n't proved to have any right to be on my credit report because I know for a fact I 've never contracted with them nor consented them to be able to make any communication on my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXXs also violating the FDCPA by continuing collection activity when they can not provide any documentation to prove I owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

i dont know how someone got my information but there is erroneous information on my credit profile
Product: Debt collection

This collection agency contacted me about a debt. I questioned the amount they were telling me and am willing to work something out, but not at the amount they said I owe. They then mentioned that they are going to garnish my wages, take me to court and that they guarantee they will net a better return than trying to work something out. They also intimidating adding that because they are in XXXX and I am in XXXX, they can have someone within arms reach in a matter of hours. They also spoke on me owing the state of XXXX a huge sum of money, which is not true. They insinuated they have connections in XXXX that will know where I am at any time of the day. I feel threatened and uneasy about the conversation that took place. I mentioned that I want to come to an agreement, but the amount they said is not what I owe. The representatives I spoke with are XXXX and a XXXX or XXXX.
Product: Prepaid card

The issue relates to a BlueBird by American Express prepaid debit card ending in XXXX. On XXXX XXXX, 2016, I returned some clothing items to a XXXX XXXX store in XXXX, VA in the amount of {$520.00} ( return receipts attached ). 
The original purchase was originally made on a different American Express card, and the BlueBird by American Express card at issue was mistakenly presented to the merchant for the return. The merchant processed the return to the BlueBird by American Express card/account in accordance with its own policies. 

The credit balance showed up on my BlueBird by American Express account within a day or XXXX. On XXXX XXXX, 2016, American Express informed me by email ( attached ) that it closed my account because it could not find corresponding debits to the {$520.00} in credits. The email from American Express further states that {$520.00} " has been returned to the merchant. '' Almost 4 months later, despite over a dozen calls by me to American Express, the funds remain in my closed BlueBird account as of today ( XXXX XXXX, 2016 ) and have not been returned to the merchant. American Express readily admits this each time I call in : its representatives have stated each time that I have called that the funds remain in the account, that the account is closed, that the funds can not be returned to me, and that the funds will be returned to the merchant, without providing a timeline. Attempts to engage with American Express regarding the reasons for closing the account and/or remedying the situation have been unsuccessful. 

After almost 4 months, the merchant has not received the funds. Based on my discussions with the merchant, the merchant is not interested in retrieving the funds from American Express because the original items were paid for in full and subsequently returned in accordance with the merchant 's policies. American Express has been holding these funds for almost 4 months. I am requesting that a check in the amount of {$520.00} ( the account balance ) be sent to me immediately and the BlueBird account formally closed.
Product: Mortgage

On XX/XX/XXXX, I received a reinstatement quote from XXXX that the total due to reinstate must be remitted no later than XX/XX/2024. The reinstatement amount was {$9900.00}. On XX/XX/XXXX, PHH Mortgage received {$3500.00} from the Mortgage Relief Program of XXXX XXXX XXXX. 
On XX/XX/XXXX, I wired {$6400.00} to XXXX XXXX XXXX XXXX. Attached is a copy of the bank wire with the date and time. Also attached is a screenshot of the date and time XXXX XXXX XXXX XXXX XXXX sent the bank wire. The date was XX/XX/XXXX, at XXXXXXXX XXXX  I complied with the reinstatement letter which did not specify what time the funds must be on XX/XX/XXXX. 
On Friday XX/XX/XXXX, I received an email from XXXX that the payments were not posted to the account until XX/XX/XXXX and I had to pay the XX/XX/XXXX, payment in the amount of {$1400.00} and was threatened that if I didnt comply all payments would be returned. In an effort to get this resolved as soon as possible I complied and wired via XXXX XXXX {$1400.00} on Saturday XX/XX/XXXX. 

On XX/XX/XXXX XXXX sent a second email stating that since the {$9900.00} were not received on XXXX XXXX a NEW Reinstatement quote was processed on XXXX XXXX and the email stated : Also, the amount we received for {$1400.00}, on XX/XX/2024, is short by {$2800.00} to reinstate the account. Kindly send the remaining balance of {$2800.00} on or before XX/XX/2024, to avoid getting a refund for the initial amount we received. 
I received the email on XXXX XXXX  And was told to pay {$2800.00} in one day. The email also stated that their representative made numerous attempts to call me. 
However, I have kept a log of my most recent calls and PHH Mortgage phone number is not listed. 
It is apparent by their refusal to accept my payments, sending two emails threatening to return all the current payments sent and by adding additional costs not listed in the original Reinstatement that the actions are punitive and unlawful.
Product: Debt collection

Company : Resurgent Original creditor : XXXX XXXX XXXX  XXXX applied for credit and when denied I got a copy of credit report with the three credit reporting agencies. There were several creditors and debts owed that I had no knowledge of. I disputed the items I did not recognize and then filed a police report and with the FTC on XX/XX/2024. I had already filed a police report for my locked mailbox being broken into. I notified the police of this occurrence when filing with them again regarding the someone using my information. After filing my reports with the police and FTC I sent XXXX XXXX XXXX  all documentation and copies of my reports and all relevant information by mail. I spoke with an agent in the fraud department at XXXX  XXXX after submitting my documentation and the agent informed me thst even though the debt was not valid thst they no longer owned the debt so I would need to contact LVNV funding who ourchsed the debt. I called and got the information and instructed them to send me proof of validity of debt, which I did not receive. After sending all relevant documents by US Mail they said they had not received the documentation and sent me an affidavit to fill out and I did so and returned by mail. Agsin I was told it was not received and I sent all information to the fax number in the letter I received. They still are stating they have yet to receive the documentation and have not removed the debt from my credit reports and are now saying that the debt is valid even after I have done what is required of me by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$790.00} ; XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$580.00} XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY LAST SUBMISSION. THE CREDITORS HAVE STATED THEY HAVE ADVISED EXPERIAN, XXXX and XXXX TO REMOVE ALL REMARKS. I STILL SEE SOME OF THESE AGENCIES HAVING DISPUTE REMARKS! CLEAR THEM FROM MY REPORTS AS IF THEY NEVER EXISTED. HERE IS PROOF THAT XXXX XXXX CARD SERVICES ACCOUNT XXXX AND XXXX  CASE XXXX HAVE STATED THEY HAVE REQUESTED YOU TO REMOVE ALL REMARKS BESIDES THE ORIGINAL PAID IN FULL AND CLOSED ON XXXX AND XXXX DISPUTES CLEAR. EXPERIAN HAS BEEN THE WORST TO DEAL WITH. THEY DO NOT HONOR ANY CORRECTIONS AND THEIR CUSTOMER SERVICE IS THE WORST. THEIR WEBSITE DOES NOT WORK FOR QUICK LINKS TO VIEW DISPUTES. I WILL BE CHECKING ALL OF THESE ACCOUNTS IN A MONTH. IF I STILL SEE ISSUES. I WILL BE LOOKING INTO REPORTING THEM TO THE ATTORNEY GENERAL, FTC, AND SUING THEM. 

IF YOU HAVE FIXED THE ERRORS AND IT TAKES TIME FOR YOUR UPDATES TO SHOW UP. I SINCERELY APOLOGIZE AND THANK YOU FOR RESPECTING MY RESOLUTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX. 


XXXX & XXXX : # XXXX, XXXX XXXXXXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 received a letter from Convergent dated XX/XX/XXXX on XX/XX/XXXX, for an outstanding debt for a XXXX account that I never opened. I believe I am a victim of identity theft and have been trying to rectify this issue with XXXX directly. I reached out to XXXX asking for proof of substantiation, in which they forwarded me via phone call to a separate debt collector, XXXX group. I mailed a letter sent by certified mail to XXXX XXXX requesting proof of substantiation, in which I received no reply. When calling XXXX group, the representative said they no longer had this debt in their possession. When calling XXXX asking for information about this account to be emailed or mailed to my actual personal mailing address, the XXXX representative said they could only mail or email documentation to the personal information noted on file, which is not my email address ( XXXX ) or my personal mailing address ( XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ). The XXXX representative told me to file a police report with the local authorities if I believe the account was opened via fraudulent terms. When going to the police station XXXX New York XXXX Police Department XXXX XXXX in XXXX, NY ), the police officer stated that I must provide proof of substantiation from XXXX in order to process the police report. As I have absolutely no paper or electronic documentation of this account, I have been unable to submit a police report. The only paper mailing with the account number stated that I have received to my actual mailing address ( where I have lived since XXXX ) has been this notice dated XX/XX/XXXX, which I received in my mailbox on XX/XX/XXXX. In order to file a police report, I need actual notices and letters from XXXX, not Convergent, stating my claim for being a victim of fraud. I have a separate XXXX account ( # XXXX ) which I am enrolled in XXXX and have been paying on time each month since I moved to XXXX, NY in XX/XX/XXXX. I am not sure how the fraudulent account ( # XXXX ) was opened using my name and SSN, and false personal information that is not tied to me in any way ( email, phone number, mailing address ) and would like to request proof of substantiation of the account being opened, proof of information they used to open the account, proof of collection of debt, and any additional information that can be provided so I can file a police report. I am disputing this debt and will not be providing payment for a fraudulent account.
Product: Credit reporting or other personal consumer reports

I dont understand why there are incorrect accounts on my credit report this morningIm completely confused and overwhelmed. I checked my report like I normally do, but this time, discrepancies just appeared without warning. I thought it might be a browser glitch, so I refreshed it several times, but the errors stayed. Im pleading for you to carefully review the documents Ive submitted to resolve this once and for all.
Product: Payday loan, title loan, or personal loan

Hello my name is XXXX XXXX my bank account was hacked and there was a place called speedy loans they used my ssc number and i d to take out loan in my name and when u contacted speedy loans they arent willing to return my money and I need your help in fighting it it was not me I was hacked but they said it does not matter due to it being in XXXX and it was online and I cant prove it they said and the amount was a large size
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to before that the information is inaccurate. 

In addition this account has been paid in full and is still being reported open by all 3 Credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I C System or XXXX XXXX appears as a collection agency on behalf of XXXX with a claim for a balance owed of {$5500.00}. I have never had a XXXX Account and I owe nothing to them. The claim was opened in XX/XX/2020, but I never had a XXXX Account ever.
Product: Student loan

Good afternoon, I'm contacting you in reference to my American Education Services, American Education Services has been updating my account as delinquent for the past 4 months ( 120 days ) My accounts were consolidated with XXXX XXXX and I explained that to this company. I was told that the account would be placed on forbearance and no reporting would go further as, they do see the accounts is in consolidation status. this has caused a hardship on my credit rating my score has dropped over 100 points due to the failed actions by XXXX and American Education Services My credit rating score was above XXXX. As this is a hardship on my file. I am requesting the removal of the negative rating on my credit file be removed from all reporting agencies XXXX, XXXX, AND XXXX. I need this done ASAP, as American educational service is doing illegal collecting and reporting practices.