23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I need my payment recast after making a large principal payment in XX/XX/XXXX. I called Ditech before making the payment and was told it would be done " automatically ''. It was not, so I called again in late XX/XX/XXXX, and despite a 30 day turnaround requirement for XXXX, I got no reply until I was sent a modfication document in XX/XX/XXXX ( received AFTER the deadline to return it ). In the meantime I have been making the full invoiced payments, but Ditech has put my " funds in suspense '' and I have received weekly harassing phone calls for payment. I finally spoke to a woman who promised to correct the documents ( not accurate, because " they ca n't change the XXXX form '' to use the correct dates ) and I demanded an accounting of how my last three payments have been applied. I am still waiting for that. This is 4 months since the initial principal payment, and they took 2 months to reply after I made an " official '' request for a recalculation. This still has not been done properly -- and in the meantime I have been making my full invoiced payments and have been harassed with collection phone calls about non-payment for funds -- that have been paid and put in " funds in suspense '' by Ditech themselves. I would like to have the recalculation done properly ( with a backup of their calculations ) and a guarantee that all my recent overpayments are applied to principal ; to make sure their math is correct and that they I receive some compensation for their violations of law and abysmal and abusive treatment of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX last checked ( XX/XX/2022 ), Exeter XXXX XXXX has violated my rights pursuant to 15 USC 1681b ( c ) ( c ) and unlawfully furnished my report and was not initiated by me. Also 15 usc 6208 ( b ) and did not inform me of the opting out. Furthermore 15 usc 1692 ( c ) ( c ) is my right and I am exercising it. The experian website is showing late payments from 5/2021-09/2021.
Product: Debt collection

There was an XXXX that was not mine, I disputed it and had the debt validated. Collection company removed debt from credit report and not collection company has reaadded account to my credit report causing damage to credit history.
Product: Debt collection

I have been the victim of identity theft. Because of this, I have fraud alerts placed with all three major credit bureaus. On XX/XX/XXXX, I received an alert from XXXX that Credence Resource Management had placed a file for collections in the amount of {$82.00}. It did not give any further information on my credit report. I contacted Credence on XX/XX/XXXX, and they said that the debt was from XXXX XXXX. I have previously had three other collection agencies tell me they have a collection from XXXX, all which were successfully disputed as possible identity theft. I have also filed paperwork with XXXX. XXXX has said they can not find anything under my social security number, nor the account number that has been given to me by Credence and that I should contact Credence and not them. Credence repeatedly says I should contact XXXX. The last representative told me that XXXX would not have access to any of my information, nor have record of the collection, but I should still contact XXXX. How would Credence have information on a debt for XXXX, but XXXX has no record of it? I'm not sure what is going on. 
Credence claims they have sent out " multiple '' letters to me and have called me " multiple '' times. I have not had any letters, nor phone calls from them. This solely appeared as a collections account on XXXX. I have filed police reports, identity theft reports with CFPB and XXXX, and have disputed everything. Just when I thought I was seeing the mental light from my thoughts of self-harm over all of this financial burden I've been placed in for identity theft, they keep coming back haunting me. I've spoken with my therapist, and we are now on a better front as far as that goes. But since the person that I believe may have been the perpetrator of my identity theft is someone that XXXX me, XXXX  me, put a XXXX to my head, and gave me XXXX, this brings back all of that all at once. That person is now dead, but I am left to deal with the repercussions of their actions. 
During the calls do Credence, they kept just trying to get me to make a payment and ignore me when I said that it was not my account and was possible identity theft. THe one agent I clearly told I am not making a payment, clearly said that he is not asking for that, but we can settle this today for {$46.00}. Even after I told them it was not my account, not my debt, and disputed it, they tried to collect. It was my understanding that after you dispute an account, they can not try to collect for 30 days. 

Please help.
Product: Bank account or service

I bank at Key bank. I have a checking account. The branch I signed up at is the XXXX XXXX XXXX branch in XXXX XXXX, VT. 
After freezing my account for a short time from around XX/XX/XXXX to XXXX, to investigate fraud, they contacted me and told me they were closing my account. I had deposited checks in good faith, that bounced. When I found out the checks bounced and my account was in the negative, I deposited money over the next 2 days to bring it back in the positive. Obviously this did not satisfy the bank, hence the ensuing freezing of my account and ultimate closing of it by the bank. 
While I am not happy about this, nor do I think it is fair and just, this is not really my big issue. My wife died XX/XX/XXXX, and she left behind our XXXX young girls. They are presently XXXX and XXXX. XXXX. We get SSI benefits because my wife died. I am their sole care provider and do not work due largely to focusing my time in raising them, I am XXXX years old. 
The social security payments arrive electronically in this account the second Wednesday of every month. I asked the bank to keep the account open until XX/XX/XXXX, XX/XX/2016, so I could receive the money from social security. I need it. My children and I live on this money. They refused. Now who knows when I will receive this money from social security. It may be another month. I do n't know. I am in New York right now and will be going to down to my local social security office next Monday when I get back to inform them of the change. But until then, I am anxious about my children 's welfare regarding finances and food. 
XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to formally notify the Federal Trade Commission ( FTC ) of a significant data breach that occurred at XXXX, one of the major consumer credit reporting agencies. This breach has compromised the personal information of approximately 147 million individuals, making it one of the largest data breaches in history.
Product: Checking or savings account

I initiated a rollover IRA to BlackRock from " XXXX '' institution on XX/XX/2021. I filled out the required form when opening my BlackRock rollover account on XX/XX/2021 I called Blackrock four weeks later to check on the status of this rollover order and I Was informed by betterment representative that it was " in-process, proceeding normally, and everything looks good please wait 2-6 more weeks '' Six weeks later still nothing so I follow up by calling Black Rock on XX/XX/2021 only to find out my rollover instruction was ignored and never initiated without *any* explanation from Blackrock as to why it was ignored nor any apology from BlackRocXXXX, XXXX XXXX of BlackRock XXXX me XXXX XXXX complete XXXX the Form with him over the phone ( which I did ) and immediately emailed it to XXXX ( Which I did ) he would expedite the rollover instructions On XX/XX/XXXX i received a letter in the mail stating that my rollover instruction has *again* been ignored without explanation as to why it was *never* initiated. This is disgusting behavior for a financial institution.
Product: Debt collection

This started with a purchase of my home. In order to be approved for the mortgage, I had to pay off all of my debt. I called XXXX XXXX XXXX, which is through BofA, and was informed my balance and payoff was {$1300.00} and so, I wrote a check out to XXXX and wrote ACCORD AND SATISFACTION and wanted the account closed. Instead, XXXX sends me a new card and then sends me a statement indicating that {$1300.00} was not the payoff amount and that I owed MORE MONEY and now, they are sending me to collections. The Check Number XXXX, dated XX/XX/XXXX was cashed. 

Now, I am receiving correspondence from Bank of America, which is enclosed, account number ending XXXX, Case Number XXXX, indicating they are notifying all Credit Reporting Agencies that my credit is now damaged and depreciated. I had already notified the Credit agencies of this dispute. 

I am attaching the correspondence which is connected to Case Number ID XXXX
Product: Credit reporting or other personal consumer reports

Hello, My mortgage account XXXX was transferred from XXXX XXXX to XXXX. 
I found out about the transfer upon logging into my XXXXXXXX XXXX account and seeing the loan was transferred notification with no any further information. 

Ive made XXXX attempts to reach out to Mr.Cooper via phone, app and email to find out who the new company was in order to make the payments and no such information was provided. 

XXXX point failed to send a customer notification to inform me that they are in a possession of my loan. 

They failed to send me any information AND any of the invoices. No any communications were received even though customer service rep confirmed over the phone they had my email and phone number all along yet no attempts were made to contact me. 
Instead they falsely reported my account to credit bureau while failing to send an invoice. 

I found out my account is past due yesterday upon receiving email from XXXX credit services. 

As a result of failure to follow legal requirements and promptly inform the consumer of the loan transfer and send timely invoices, XXXX XXXX caused my XXXX XXXX to drop from XXXX to XXXX. 

I expect company to take responsibility and remedy the damages they have caused. 

Im looking forward to your timely response. 

Kind regards, XXXX XXXX XXXX
Product: Debt collection

Debt collectors are not supposed to commit abuse, deceptive and unfair debt collection practices but your firm has done so. 

By coercing me to pay on an extension of credit. This is a violation of 18 USC 894. 

First thing, You do not have any lawful right to be in possession of my identifying information. 

Secondly, I didn't give you consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ). 

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes. 

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt. 

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 usc 894 and carries a criminal penalty of 20 years. 

The last thing Jefferson Capital System needs to understand this is also aggravated identity theft 18 USC 1028A I'm requesting for this alleged debt entry to be removed and deleted ASAP from all three reporting CRAs.
Product: Credit card

I have XXXX cancelled American Express Blue card accounts that have been cancelled for over 3 years. I destroyed the cards and intended to pay off the balanced. I became unemployed and in good faith sent a small payment each month. Now that I am employed I am working with a credit consolidation agency to help me pay off my debts. They requested I ibtain the XXXX digit card numbers for both accounts, Amercian Express refuses to give me the information stating that they can not do so over a taped phone line. However I am to effortlessly give my social security number over the same line. I e pressed the need to have these numbers is so I can repay my debt, however they are not cooperating. Secondly, they spent a day calling relatives and family of my ex husband to question my debt. I find this absolutely unacceptable as these are people in no way related to these account and no responsibility for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. the three credit bureaus below has violated my rights. 

XXXX TransUnion XXXX This is how my information should appear on my credit reports. 

Name : XXXX XXXX XXXX Date of Birth : XX/XX/1982 Social Security number : XXXX Address : XXXX XXXX XXXX XXXX XXXX , IA XXXX XXXX
Product: Credit card

I called the Apple Card that Golden sacs manages to work out a lower payment plan initially in XX/XX/year>. One of the reps close the card wrongfully and then since the card was closed, they would not work out payment plans with me. I asked for all of the recorded calls and transcripts to be emailed to me and they will not do that. I've asked to speak to legal over 100 times and asked for the email address for legal which they refused to give me. They also raised my APR without proper notification. It was not in writing. It was not over an email or even a phone call. So they have been raping me with, a higher APR and not working with me to make the account good. I've asked to speak to an officer at the company and legal, and they will not allow me to do so. I've asked them to have legal email me directly and I will put them in touch with my lawyer, and they will not even do that. This card is a complete scam and I've been asking for paper statements since day one which they refused to give me.
Product: Credit reporting

Enclosed is a report dated XXXX of XXXX. In this report, concerning XXXX of XXXX credit card XXXX ... .. there are several issues. If I am incorrect please provide me with a copy of the law stating so, however I do not believe I am incorrect and after this complaint, if not fixed I will obtain legal council and attempt to recapture every dollar spend in interest that I should not have had to pay due to higher than necessary interest rates. 
Issues:1 ) You are stating that I am {$2000.00} past due as of XXXX XXXX. This account was written off in XXXX of XXXX at which time I paid my tax penalty on the amount and the account is done. I was past due that amount back at that point ( again XXXX ) but not currently. I agree that the statement preceding that is correct, " Account charged off, {$10000.00}, written off. '' but not that I am CURRENTLY past due. 
2 ) On page XXXX, you have me listed at " CO '' in XXXX of XXXX, then XXXX of XXXX. That is making me look as though I am a severe repeat offender. If the account was written off in XXXX then it was not written off in XXXX. If it was in both time please provide proof because my understanding is that the bank can not write the account off XXXX and get XXXX the tax benefit. If that have done so that I believe it is a burden on Experian to report XXXX XXXX XXXX to the IRS for tax fraud. 
3 ) You are listing as actions taken to being 'CO ' in XXXX of XXXX, then in XXXX and XXXX of XXXX, again in each month of XXXX, then I have no charge offs in XXXX and XXXX but every other month in XXXX. That accumulates to a total of 19 months that XXXX XXXX XXXX has charge my account off. Again that is making me look as though I am a severe repeat offender. XXXX account got charged off, at one time and I paid the price. Please reflect that in my report. 

I will continue to pursue these correction until they are either corrected or you can show me the actual law stating that you can XXXX me XXXX times on XXXX issue. However, my next complaint with actually come from both an attorney and other agencies such as the Texas XXXX Attorney General 's office.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX closed my account ending in XXXX with an outstanding balance of {$220.00} which was paid in full by consumer on XX/XX/2022. I received faxed letter from XXXX XXXX XXXX that account paid in full. I was not notified in that letter that there was " Suspected Fraud Activity ''. Since there is no outstanding balance for account ending in XXXX, the issue is the notation of " Suspected Fraud Activity '' related to that account which XXXX XXXX and Early Warning Systems are reporting and therefore causing harm to me the consumer ( preventing me from opening any other bank account ). This " Suspected Fraud Activity '' notation totally contradicts the statement in XXXX XXXX XXXX 's response letter ( attached ; page XXXX ) which states " Our records do not show any fraud claims being filed with XXXX XXXX XXXX against any transactions on the accounts reference above. '' XXXX XXXX XXXX submitted transactions which supported this statement. Why is the " Suspected Fraud Activity '' being reported which is causing harm to the consumer. This ongoing harm is a violation of my right to privacy as well as violating my other federal rights. Since XXXX XXXX XXXX has demonstrated that there are no transactions supporting fraudulent activity, the " Suspected Fraud Activity '' noted is an inaccurate description and must be deleted.
Product: Checking or savings account

I was charged fees by Wells Fargo unknowingly and the original charges werent even authorized by me as I had made several complaints to them about. Wells Fargo moves very slow when it comes to helping customers with issues and actually resolving the issue. Im always on hold for hours. They take long and on top of that most that Ive spoken with get an attitude or barely let me speak. I want to switch to a different bank very badly but EVERYTIME I open my account something is negative because of THEIR fees!
Product: Credit card

In XXXX 2015, my account with Capital One had a fraud alert put in place due to a returned payment that overdrafted the account. I contacted them to clarify there was no fraud and they advised they could not remove the flag so I instructed them to close the account. I explained that since it was a secured account and I had no outstanding balance I wanted my deposit returned and the account closed. They advised they could n't do that either because of the fraud flag. They refused to even update my address because no one was able to remove the flag. In XX/XX/XXXX I began working with the client resolution center and eventually in XX/XX/XXXX, received a refund after numerous calls and the account was supposedly closed. 
Today I received an alert to log into my account and noticed that it not only is still not closed as I requested, but an annual and late payment fee have been assessed. When I called in I got the same run around about how nothing can be updated because of the flag. I do not want to risk late payment information reporting to the credit bureaus for an account that should have been closed months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tired to have the 3 credit to bureaus to dispute inaccuracies on my credit history. They mailed me out a packet to dispute these inaccuracies. My husband at the time ( im in a XXXX  divorce status ) XXXX XXXX told me they must mot have mailed it out so i never received it. This seems to happen with most my mail with him around. He has a brother XXXX XXXX that took out credit cards in his name an he never pursued to do anything about it. He knows i would have. I also cant log into XXXX XXXX  an it will not allow me to change my password. I emailed them awhile back but no response if you could give them my email that would be greatly appreciated. XXXX If you have any more questions please contact at XXXX. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, oh XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE ACCOUNTS THAT ARE NOT MINE. PLEASE REFER TO THE ATTACHED IDENTITY THEFT REPORT AND DELETE THE ACCOUNTS AS SHOWN BELOW. I HAVE SENT DISPUTE LETTERS ON and filed a police report XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$9600.00} {$9600.00} No. of Months ( terms ) : - - High Credit : {$9600.00} {$9600.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Charge off Collection/Charge off Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Attempted phone calls to my wife 's job after telling them never to call there again after the XXXX time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been hit with identity theft both from the dark net, and from credit card breaches that occurred at both XXXX  and XXXX XXXX, so I keep a close eye on my credit score. On XX/XX/2019, I noticed a couple of creditors had appeared that I either had not done business with or were reported incorrectly on my credit bureau through Equifax. Those accounts are : - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX I sent Equifax a letter on that same day XX/XX/2019, through certified mail with a signature return receipt ( attached to this complaint ). 

On XX/XX/2019, I received a letter from Equifax stating that they updated all 3 of the accounts, and that all 3 of them remain on my credit report ( attached ). Then on XX/XX/2019, I sent Equifax another letter through certified mail with a signature return receipt ( attached ) asking them to either provide proof of their verification method in accordance with federal law, or to delete these incorrectly reported items from my credit report. 

On XX/XX/2019, Equifax sent me a letter ( attached ) stating that they have reviewed the re-investigation, and determined that these accounts will remain on my credit file. They did not provide any proof of how they verified these 4 accounts listed on my credit report. Then, on XX/XX/2019, I sent Equifax a final letter ( also attached ) via certified mail with a signature return receipt. This letter was to give them notice that they are violating 15 USC 41, 1681i ( a ) ( 2 ) ( B ), and that they were to provide me with their method of verification of these creditors or delete these items from my credit report. I also informed Equifax in my letter that I intended to file a complaint if they did not comply with their requirements in reporting accurate information on my credit report. 

So finally, on XX/XX/2019, Equifax sent me another letter stating that they verified the information on my credit report, but again provided no method of verification that they used. As of right now, these 3 items remain on my credit report and need to be removed.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX