23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have just been notified that I am being sued by this s collection agency, when I have spoken with them over the phone twice. I spoke to two different men, both of whom I notified of the identity theft that I filed with the FTC and that I had cancelled all of my credit cards upon learning of the theft and was disputing the debts. I am a XXXXXXXX XXXX who is in the process of a lengthy divorce and living solely on the VA payment I receive each month. This has prevented me and my children from moving and has prevented me from being able to accomplish much else in the way of financial services and legal services in regards to the debts. At the time of the identity theft I was current and had a positive balance on all of the credit cards in my name, but when my identity was stolen, they pushed transactions through over the limit, raised and overmaxxed my limits, and then a few of the credit card companies did not cancel the cards when notified of the theft and asked to do so. They just kept them open, furthering the damage to my credit. I would XXXX  like to note that these debts are double reported on my credit, furthering harm to me and my children. I receive less than {$2000.00} a month, no other financial support and am now being sued for a debt that on two occasions I notified this collection agency weren't mine. I believe that they even bought out the debts for other credit cards from the same identity theft and fully intend to file suit for those as well.
Product: Debt collection

Company Name XXXX XXXX XXXX  ACCOUNT NAME XXXX 15 U.S. Code 1692c Requires debt collectors to stop communicating with consumers who have written to them to refuse payment or request that communication stop. Debt collectors can continue to communicate to advise the consumer that they are terminating efforts, or to notify the consumer of remedies they may pursue. 

that debt collectors must send a written validation notice to consumers within XXXX XXXX of the initial communication. The notice must inform consumers of their rights, including the right to dispute the debt in writing and request the original creditor 's name and address. If a consumer disputes a debt, the debt collector must stop collecting it until they verify the debt or obtain the original creditor 's information
Product: Debt collection

Medical claim that was considered at a in-network benefit and XXXX XXXX XXXX XXXX XXXX XXXX processed as a out-of-network benefit. Insurance advised not to pay the difference of XXXX and a dispute letter and appeal claim was opened on XXXX/XXXX/15. Because the charged amount was not in allowance and was billed at 780 % over XXXX allowance an insurance fraud review was opened. XXXX XXXX XXXX XXXX XXXX XXXX was advised to accept previous payment of myself and insurance. No additional bills were sent, and insurance company nor myself received an appeals response from XXXX XXXX XXXX XXXX until this collector letter was received by myself on XX/XX/2015.
Product: Mortgage

My Mortgage was transferred from XXXX XXXXXX/XX/XXXX to Nation Strar Mortgage LLC DBA Mr. Cooper on XX/XX/2021. 

Since the transfer date was XX/XX/2021, XXXX payment was made to XXXX XXXX XX/XX/XXXX, but Mr. Cooper is claiming they should have received XXXX payment thus my account would be delinquent if I do not pay. 

To avoid any negative reflection on my account or credit, I have gone ahead with another payment with Mr. Cooper, and I have tried to resolve this issue with both banks for the past several months. 

However, On XX/XX/XXXX of 2021 loan was transferred back to XXXX XXXXXX/XX/XXXX and Mr. cooper has stopped responding to my request. 

XXXXXX/XX/XXXX transferred loan amount : {$320000.00} Mr. Cooper claimed transferred loan amount : {$320000.00} Mr. Cooper has over charged {$2000.00}
Product: Debt collection

I have received XXXX messages from Resurgent Capital Services claiming I owe money and sending me links to pay off my balance. I thought this might be a scam and have ignored it, but I looked into it and they seem to be a legitimate company. However, I dont have any outstanding debts and I even checked my credit reports to ensure that I was not mistaken. I have tried to block them several times and they keep contacting me by text message. I do not owe any money, do not have any loans, and I pay off all my credit cards in full every month. Im not sure if someone else has given my phone number to these debt collectors in attempt to steal my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score with 03 credit bureaus agency XXXX, Equifax and XXXX don't grow enough Although I don't have any existing debts and my payment history on time since XXXX which I should have a better score than I currently has, I don't have any payment for credit cards or car loan that is late nor I owe money to any credit card or Mortgage company. 
all my previous old credit card since XXXX was settled in full therefore I'm disputing all the negative records on my credit profile, I never been contacted by any agency that I owe them money. 
my question is why my credit score never increase however I have great payment history.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting

I 'm a vimtiam of identity theft and someone try opening account in my name XXXX XXXX, XXXX XXXX/XXXX/2016 and XXXX XXXX XXXX/XXXX/2016
Product: Mortgage

We have owned our home for 32 years since XXXX. In XXXX we applied for a Modification loan the terms to our understanding was to be for the remaining terms of the loan ( 20 years ) which would have the loan paid in full XXXX. As with many loans our loan has been sold many, many times. Apparently along the way I was taken off the loan which we did not do with all the servicing companies that have service our loan they state I'm not on title according to their record and every time we call the servicer ( s ) my spouse must give permission to whoever is servicing our loan to speak to me, we have told them many times I was never taken off the loan. We checked with the title company they are showing the Deed of Trust and Note XXXX no modification filed. 

In one of the correspondence from XXXX they state that our loan has not been modified ( XXXX XXXX ) according to their records ( see attached ). XX/XX/XXXX XXXX sent us a payoff quote we did not request a payoff quote. 

After numerous time requesting from servicers to send a copy of the Modification agreement they only send the Deed of Trust and Note ( XXXX ). We've requested from the last servicer who is now XXXX to send the information on the modification as of yet they have only sent Deed of Trust and Note ( XXXX ) We are now seniors and we desperately need resolved this matter. 


Thank You,
Product: Consumer Loan

Wellsfargo financial misapplied my XXXX 2014 payment, per XXXX XXXX, which led the bank to apply a late charge. 

My monthly payment is {$64.00} but because of the one misapplied payment ( I overpay every month ) the bank, per XXXX, was assessing late fees and placing them into my principal balance, which led to strictly late charges causing my delinquency and they continued to assess late charges almost every month there after, all to my balance which would incur interest. 

My understanding is that banks can not charge interest on late fees and late fees can not cause a loan to be delinquent. 

The bank admitted their error but told me before waiving all of the inappropriate late fees ( all late fees ) that I had to pay over {$200.00}, much more than my {$64.00} payment. Had I not been an employee of another financial institution and well aware that they could not make me pay money 's not owed I might have paid to resolve my account, they did insist I pay it to get myself current so they could fix their posting errors and remove the late fees that I have and would be paying. I refused and asked to speak to XXXX 's supervisor, whom I 'm sure was n't there on a Sunday, and cited that how they treated my account, if it was as XXXX described was in direct violation of FDCPA/CFPB regulation and I 'd have to lodge a complaint. She did correct my account supposedly, but I fear for other customers, who knows what they are doing, and honestly I wo n't believe my account is fixed until I see it, particularly all of my overpayments correctly applied.
Product: Checking or savings account

Hello, I have a fraudulent transaction on my account that I have been going back and forth with paypal and XXXX XXXX XXXX to resolve. Paypal claims all transactions are secure and can be resolves but is giving me the run around. 
I sent the money via my debit card and I was told by an agent because it was a large amount paypal processed it as a ach transaction leaving me no protection again fraud via my bank or with paypal. they also mention friends and family and refused to let me cancel the transaction due to it being friends and family although I called several times to file the fraud and complaint. I have been given the run around and was not in receipt of the goods promised and both bank and paypal are refusing to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX The accounts do not reflect their accurate status..They aren't charge off they were paid and satisfied as agreed..I do not authorize you or anyone to report not proven compliant information..I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it
Product: Credit reporting or other personal consumer reports

I am writing to express my XXXX with the dispute process regarding an items on my credit report and I want to dispute these fraudulent information. Despite my diligent efforts to provide valid documentation such as the required XXXX report, supporting my position, it seems that my message is not being properly received by your bureau. Let me be clear : I am the one initiating these disputes under my name. 

The items in question is unfamiliar to me and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. 
It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling these obligation and are exposing me to further harm. 

Enclosed is the items that is unfamiliar to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am filing a complaint for the second time against capital one they have blocked my card because they wanted to verify bank statements where the payment is coming from. Thats all they told me they needed to see the last four digits of each account and savings and checking with my name on the bank statement. I have sent that to them. I got a call after three days saying they need to see the full account number is no need for them to see the full account number because the last four digits are already on the bank statements with my name on it I explain that to the lady. She says you need to show us the whole numbers I dont have to show nobody my whole numbers of my bank account. this is very ridiculous. I can not use my card, they block my existing credit. they also send me a card a XXXX  credit card that I did not apply for it. I thought they send me that as an offer I did use some but I ended up closing the card because I did not want it because it affected my credit report, I dont understand how they can offer me a credit card without my permission to check my credit.there customer service is very bad.
Product: Checking or savings account

On XX/XX/year> I was checking my account with Synovus on line and saw that my account had a pending charge of {$5000.00}, I immediately contacted Synovus and went to the branch of origin. where I met with XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX. I informed her of this pending transaction where I was told that the pending transaction had to " hard-post '' before the bank fraud-department could began to research the attempted fraud on my account, so I had to leave and wait for this to occur. A few days later the {$5000.00} cleared to a financial institution called XXXX XXXX in XXXX XXXX with no address, just an E-mail ( XXXX  or XXXX, or by XXXX XXXX XXXX XXXX ). I was then sent a letter from Synovus on my investigation on XXXXXXXX   after they closed the case on XX/XX/year>XXXX   after 12-days of investigation without any contact with me or any details of exactly what they found other than concluding that they determined the transaction was authorized by " YOU '' and we ( Synovus ) are unable to provide provisional credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was demanding, to : TransUnion LEGAL DEPARTMENT, TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX PA XXXX The removal of this public record notation ( bankruptcy ) from my credit report. 

Because am not familiar with the reference number, I contacted the court and they said, they didnt provide any information to the credit agency. 


On XX/XX/XXXX, I received a letter from TransUnion Consumer Solutions stating : Our investigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. 

Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; Provide us a response to your dispute ; and update their records and systems as necessary. 


Investigation Results Summary ITEM DESCRIPTION RESULTS CHAPTER XXXX BANKRUPTCY DISCHARGED INFORMATION UPDATED. 
DOCKET # XXXX XXXX XXXX XXXX XXXX XXXX XXXX US COURTHOUSE XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX According to this summary, credit agency only made a notation and didnt deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card

I have disputed a charge with Navy federal. A transaction on XX/XX/XXXX for {$640.00} with this merchant, XXXX XXXX XXXX. We got charged for transactions I did not place at the restaurant. XXXX XXXX is not helping me resolve this mistake and is still charging me this erroneous balance.
Product: Mortgage

I contacted my mortgage servicer ( Wells Fargo ) on XX/XX/2020 about A border line adjustment to my property because i am purchasing land from my neighbor. I am buying the land with cash and just need them to sign the documnets. They have been trying their hardest to drag it out and create problems even thopugh it doesnt involve them. I finnaly got them to sign the application for the county on XX/XX/2020 after going back and forth with them for weeks. The county approved the application and sent us the plat certificate that needs to be signed by wells fargo. On XX/XX/XXXX when we are ready to close the deal, all the sudden Wells Fargo want 's an appraisel for some reason, even though adding land will clearly not deminish the property value. They had never mentioned it once prior to this date. The appraisel was ordered and we talked to the appraisel company and they can't get ahold of Wells Fargo to see what kind of appraisel is required because it doenst make any sense to do an interior appraisel. They will not proceed until they talk to them. The Wells fargo employees will not return phone calls or emails regarding the issue. It is complety unresonable for this to be taking over 3 months now for a transaction that doesn't really affect them. It is a XXXX XXXX loan that they service, or lack service for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a couple bills in the ail stating, that I need to make a payment for a loan. I don't owe a loan, I don't have any loan under my name. I then called to verify and all my information had been used to open this account. I got a copy of my credit report and saw two bankruptcies and a couple of inquiries. A couple of other fraudulent accounts that are not mine. I have never seen these items in my life. PLEASE REMOVE THESE ITEMS from my report thank you CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX   CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX
Product: Debt collection

In XX/XX/XXXX I received a collection notice from ERC on behalf of XXXX. They are attempting to collect a {$910.00} debt from an account that was fraudulently opened. The dates for this account are XX/XX/XXXX opened to XX/XX/XXXX closed.
Product: Checking or savings account

I XX/XX/XXXX I contacted XXXX at the XXXX XXXX XXXX talk to a representative around XXXX or XXXX oclock in the XXXX. I was having problems with my XXXX. I have XXXX through XXXX pay them and had issues with getting into my user ID and my password well one of the guys I talked to who was from XXXX gave me a phone number for XXXX, XXXX they said that was XXXX I called. They said they needed to do verification so they called my phone and they asked me to answer the other line which I did and while she was asking me some questions she told me That I would get a link later that would show me my username and my password. I never got it and the next day I looked at my bank account and I was - {$300.00} they hacked into my account to my XXXX card with my XXXX account which my debit card was on there and so, they cashed XXXX individual XXXX cards for {$100.00}. They emailed them to a different email as well as my address but my address showed they were still there. I didnt think they cashed them that day so I changed my password but they had ended up cashing them in to my branch manager on the first his name is XXXX XXXX He told me he would file a claim and I called card services told them about my card. They told me to cut it up. They would give me a new one and so since that day, the bank paid the {$300.00}, and then all of my purchases came through and the bank has charged me XXXX  overdraft fees for {$36.00} and for every day my account is negative. They are charging me an additional XXXX dollars and theyre doing an investigation. She told me that the account that they said no and I said thats incorrect because I just received a letter dated for XXXX and they told me case number XXXX card ending XXXX XXXX XXXX XXXX XXXX XXXX a XXXX dollars XXXX XXXX a XXXX dollars XXXX XXXX a XXXX dollars dear valued customer we received a dispute from you on XXXX XXXX totaling XXXX XXXX including the following transactions if we are unable to make a decision within the next XXXX  business days, we will provisionally credit your account for the transaction dispute while we continue to investigate. Please keep in mind that the investigation can take up to XXXX  days, and then it gives a number to call. I called them talk to the girl and shes the one that said it was no I was extremely upset and there is no reason that this should not be considered fraud. I did not give permission for them to use my card I didnt even know they were hacking my card. XXXX has confirmed that the numbers were both the one number was fraudulent, but it was linked saying they were XXXX  XXXX  is not gon na do anything. Bank is not doing anything and I dont know what is going on with my account services said one thing and she couldnt even file number or case number and I need help with this because all my account is tied up and theyre taking advantage
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was in an accident in XX/XX/XXXX and I was not at fault. The tow yard which my car was taken to gave my insurance 30 days to take it out and instead US Bank took the car out after only 5 days without telling anyone and classified it on my credit report but not to anyone else as a repossession and a charge off even though I was making my payments until they closed my account in XX/XX/XXXX. After that I was unable to make payments on it until my insurance got ahold of the car and inspected it to get a value of the car. The problem was US Bank lost the car and it took my insurance a few months of tracking it down for them to find it. After they found it they put a price on it paid off the car and I had my remaining balance. I called US Bank to find out the balance and they told me to wait for their systems to update before I could pay the remaining balance. I called the next week same answer. I called a third and fourth time and they told me to wait until I received a letter in the mail telling me my remaining balance and how to pay it off. While waiting for the letter I received a delinquency hit on my credit report. I called again and they basically said its not their fault and not their problem and I finally got the letter and paid it off. I went to the XXXX credit bureaus to dispute because US Bank told me they would not fix my credit report themselves and my first report I received back from XXXX was that US Bank refused to take accountability and would not allow XXXX to make the changes to my credit report.
Product: Credit reporting or other personal consumer reports

The error is that the " Balance Updated '' date is listed as XXXX XXXX XXXX, which is a future date, making it impossible for this update to have already occurred. This inaccurate reporting could negatively impact my credit and should be corrected.
Product: Credit card or prepaid card

I purchased 120 XXXX Gift Cards at {$100.00} each. I received only 117 Gift Cards and the company keeps creating obstacles to replace the three missing cards. They are telling me to audit each card number which I did and they still will not replace the cards. I have already distributed the cards that I have and want the three missing cards sent expedited.