23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/year>, I called this Genesis company, and explained that I had a fraudulent application fee to apply to an apt Complex, XXXX XXXX in XXXX XXXX. The BANK refunded me that fee from their fraud. They are not due any money. They then proceeded apparently to " write this off '' as a debt, never sued or had any legal recourse to even try to collect it after the bank refunded me from their fraudulent terms on the application, and Genesis, refused to even listen, continued to try to extort {$330.00} and left it on my credit report to try to force this unlawful payment. They have done this habitually and bully and blackmail people into paying this to get it removed from their credit reports. I asked to speak to a supervisor, they just left me on hold and never connected me to anyone. The man that answered my call tried to continue to bully me and demand payment. I do not owe anything for a canceled application that I was refunded on from my own bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Deploying digital " dark pattern '' of my information to get paid Solicitation of my personal information Civil liability USC 1692k
Product: Credit card or prepaid card

I am a victim of identity theft. I had this police report before where I left my left open in a public place then I lost my bag with my cards and Ids inside it Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2018 with an amount of {$24000.00}.
Product: Credit card or prepaid card

Received unsolicited debit card from US Bank due to a fraudulent Colorado unemployment claim made in my name. Trying to contact US Bank to rectify this has been impossible due to their horrible customer service phone service.
Product: Credit reporting or other personal consumer reports

This account is still inaccurate after investigation remove this account immediately!
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 or credit management

As a consumer I have been violated and harassed numerous times from debt collectors with threats of being sued in emails and phone calls several times a day. It has caused a lot of stress. Please have these debt collections removed, and in writing they will be receiving a letter of violations under a fair debt collections act. Items below are third party debt collectors attempting to collect debt and harassing me with multiple email and threats of being sued, Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Im in the process of trying to buy my first home. Ive been disputing these accounts since XX/XX/XXXX and been getting a run around with the creditors and credit reporting agencies. These derogatory accounts have made a huge negative mark on my character.and credit worthiness which is affecting me tremendously in my efforts in purchasing a home. I've identified several discrepancies that violated my rights.Please help me rectify this matter. 

According to 15 USC section 1681 ( i ) These accounts are Untrue, Un-verified, Incorrect, Incomplete must be removed. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 


XXXX XXXX  Account # XXXXXXXX XXXX. {$3000.00} is not mine. Ive reported this account as fraud with the FTC and all credit agencies. Ive requested validation of debt. They responded to me on XX/XX/XXXX and XX/XX/XXXX. They could not provide evidence because the application was taken over the phone.Ive attached letters.. 

XXXX XXXX Account # XXXX XXXX. {$3900.00}. I also requested validation of debt from XXXX. I never received it! They responded on XX/XX/XXXX using a stall tactic letter. A week. I received a letter from the collection agency XXXX. I've found inaccuracies that don't match across reporting agencies : dates open, monthly payment {$0.00}, term 72, past due amount should be {$0.00} on a chargeoff/collection, dates last active. I did not give written consent.Ive attached letters XXXX XXXX Account # XXXX - ( Late Payment ) XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Ive disputed on XXXXUSC 1681 Section 602 states I have the right to privacy.15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

XXXX Account # XXXX ( Late Payment ) XX/XX/XXXX, XXXX XXXX.USC 1681 Section 602 states I have the right to privacy.15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

Ive also requested to have address removed several times XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Transunion XXXX XXXX XXXX XXXX, XXXX TX XXXX, XXXX XXXX XXXX XXXX TX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you will review, if you have access to my records, I have had many complaints again my mortgage company. In XX/XX/2019 I thought a resolution had been made with XXXX XXXX. At the beginning of XX/XX/2019 I realized that the issue was not resolved because my account was showing delinquent on my credit report. It stated I still owed for XXXX. The overall issue is this, which then brings me to my dispute with my credit report. 
They want to charge me {$400.00} a month for my escrow. When I calculate my escrow based on my Taxes and Insurance bill the basic math equals {$250.00}. If then I provide a 2 month cushion, the amount comes to {$290.00}. Currently I send in a check each month one for Principle and Interest = {$750.00} and then an Escrow check = {$290.00}. The billing department will put all of my money into Escrow because I am not equaling to what they say I owe which is {$1100.00}. Then my account looks delinquent when in actuality I have paid. They did this all last year and are starting to do it again. If I put on the memo line of my check what it is to be accounted for that should not be an issue. I also always include a letter with the same information. There has never been any dispute of this information provided to me in writing, I am only informed by my credit report. They never send me notifications or statements. The only communication I have is with XXXX XXXX. 
In the end all I want is to have my credit report reflect I make my Mortgage payments on time, because I do and I can prove that. If they choose to put the money toward Escrow and ruin my credit then I will continue to complain and may have to take further legal action which I really do not want to do. This saga has gone on too long and according to some research this company seems to have a lot of complaints and one lawsuit due to the same issues as I am having. If you are suppose to be looking out for the Consumer why does it take so long for these companies to be taken to court and made to account for their actions?
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$200.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$9600.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$300.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$4700.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$510.00} XXXX - XXXX - XX/XX/XXXX - {$4800.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

In XXXX, I received a letter in the mail from a company named Ad Astra Recovery Services. The letter had my name XXXX XXXX on the letter. I opened the letter and it stated that this comp was telling me that I owed an amount XXXX cent. The letter also advised that I had owed the money to Speedy Cash. I did not know who Speedy Cash was nor who Ad Astra Recovery Services was. The letter specified a file XXXX XXXXXXXX and reflected the date of loan as XX/XX/XXXX. I told my husband about the letter and he asked when the loan was opened and how it was opened, He then said how were you able to open a loan with them When you were in the hospital the week that this loan was opened up.The letter had the last four of my social security number. The loan number was XXXX, the original creditor Speedy Cash was located at XXXX XXXX XXXX XXXX. XXXX, MO XXXX the past few months I submitted numerous disputes to Ad Astra Recovery Services . I asked for verification of me owning this account, Ad Astra R ecovery Services sent documentation that I requersted with verification of me owning this account. They sent information that was not accurate as it pertained to me, and where I lived. I was advised the account was opened online with my personal information. Such as my DOB, last four of my social security number. I disputed the account, and advised Ad Astra Recovery Services that the account was not mines. I called Ad Astra sme time later after rhey refused to remove the account off my credit file. It was at this timed I found out that the account was opened online with my personal information. I tole them that the day the account was opened, I had been in the hospital the week of the XXXX, XXXXXXXX. And there was no way that I could have opened the account. Cause I was XXXX XXXX XXXX  XXXX XXXX, and would not have been able to open the account. I also was made aware of the address on the account did not match where Iived. The address on the account was XXXX XXXX XXXX XXXX, Texas XXXX. This address was not my address, My address was XXXX XXXX XXXX XXXX, Texas XXXX Who ever opned the account gave a partial of my address, leaving the city XXXX XXXX Texas off. But gave the address as being in XXXX, Texas XXXX, which I have never heard opf before. Over the last four years I have attempted to get this remeoved, it got to the point I just got tired of dealing with it. I became very frustrated with dealing with Ad Astra Recovery Services, I requested copies of signatures, even electronic signature. Thery could not provide any pictured ID, of my drivers license. Even though they said they said they had my drivers license. This account over the years has effected my credit directly. The date that shows when the account was opened. On my credit reports it reflects the loan date as XX/XX/XXXXXXXX, but on documentation sent to me it shows the a date of XXXX XXXX, XXXX. So, there are two different dates on when the account was opened..,
Product: Debt collection

On XX/XX/2020, my credit card was charged for an amount of {$190.00} in response of an unauthorized transaction from XXXX XXXX, which is an online car sharing marketplace. I contacted my bank ( CHASE Bank ) to fill a dispute on the charge and they credited my account with the amount of {$190.00}. Curiously three months later, my bank ( CHASE ) informed me that the merchant ( XXXX ) approved the charge of {$190.00} because I took a rental from their customers at XXXX, TX and the transaction should take place. Thus my bank charged me back the {$190.00} into my account. THESE HAS BEEN A TOTAL FALSE STATEMENT AND ACCUSATION MADE BY XXXX XXXX. 
So i contacted the merchant ( XXXX ) to dispute the charge since i wasn't the one who took the rental car from their customer and also XXXX didn't sent a proof of service on XX/XX/2020 so i will find out where this transaction comes from or if XXXX is just making false statement. 
I tried to call XXXX several times and when their customer service knows i am calling regarding that fraudulent charge, he/she acts unprofessionally by putting me on-hold for about two hours before disconnecting their phone. I have been trying to clarifying this dispute many times but it turns to be repetitive and so on. I can say XXXX XXXX is a fraudulent online business trying to use people 's personal information to maintain their profitability. 
Finally i was able to reach one of their agent ( XXXX ) and she/he gave me a case number XXXX # XXXX after 7 months of disputing the charge
Product: Mortgage

I refinanced my home in XX/XX/XXXX. The loan dispersed on XX/XX/XXXX and the title company sent the payoff to my current lender, Mr Cooper ( Nationstar ) at XXXX on XX/XX/XXXX. 

I noticed on my settlement statement that the interest was calculated and collected through XX/XX/XXXX so I expected I would get a refund of those days of interest ( {$61.00} ) from Mr Cooper, a refund which never came. 

I contacted the title company to verify what payoff amount was sent and asked for a copy of the payoff and wire detail. The payoff showed that the dollar amount sent to Mr Copper was through XX/XX/XXXX. 

I had tried to reach Mr Cooper several times but wait times were long and I had to hang up because I was out of time to hold. 

On XX/XX/XXXX, I finally was able to reach Mr Copper. I spoke to XXXX, who was trying to help but disconnected us and did not call me back. 
I called back in and this time spoke to XXXX who told me that it was not credited until XX/XX/XXXX. When I inquired as to why, she said thats just the day they received it. I told her this was impossible as the title company sent the wire to them on XXXX. She said she could not help me change it. I was directed to the escalation team and asked her to transfer me. I was on hold so long I had to hang up. 

XXXX I called Mr Cooper once again and asked for the escalation team. I was connected with a gentleman whose name I do not have any longer. He told me it was credited on XXXX because that is the day XXXX XXXX posted the wire. I asked how that could be because they received the wire on XXXX. I told him I am looking for a refund of the 4 days of interest from Mr Cooper. He said this is when it was credited and he can not change it. There is no refund. 

I called back on XX/XX/XXXX, thinking I may get someone who knew better and once again asked for the escalation team. I spoke to XXXX, explained my situation, told her I had proof from the title company as to when wire was sent and she gave me an email address to send the wire detail to. She explained that I would hear back from them within 7-10 days as to their findings. 

I sent the email to XXXX at XXXX on XX/XX/XXXX I never heard back concerning the email I sent as to what their findings were. I called in to follow up on this issue on XX/XX/XXXX. 
XXXX informed me there would be no refund, that XXXX XXXX did not credit the wire until XX/XX/XXXX. When I asked how this could be when they clearly had it, he explained that it is what it is. 
I asked to escalate to his superior and he said he filed it and that they would respond back to me within 72 hrs. I have never heard from them. 

Mr Cooper and XXXX XXXX have stolen money from me. I am sure this goes on all the time. They are holding payments and collecting interest for a few days, lining their pockets thinking the public wont notice or not think {$60.00} is worth fighting them for! 

XX/XX/XXXX was a Friday, the wire was sent 1st thing in the morning, it should have been credited that day, but giving them the benefit of the doubt since it was a Friday, it may get credited Monday at the latest. BUT in fact, they did not credit it until Tuesday XXXX.
Product: Checking or savings account

I received an email from Citibank on XX/XX/XXXX saying they are sending me a new debit card. The following day I received another email from Citibank saying I signed up for online services. I googled the number in the email to verify that it was in fact Citibank and the number seem to match XXXX on file for Citibank. I called on XX/XX/XXXX to notify Citibank that I had not open an account with them. They transferred me to their fraud department. I spoke to a woman who refused to give me her name or location. After I threatened to go to the police, she gave me her location, XXXX, but not her name. She then told me that she had successfully blocked the account and forwarded the information to their investigation department. I asked for an email confirmation to prove that the account was in the closed. She told me I would have to wait 30 days. I find it incredibly strange that they would send out an automated email immediately after an account is opened but a person closing an account would have to wait 30 days. I question whether the individual I spoke to actually works for Citibank. I believe they might actually be part of the fraud and would like this issue investigated.
Product: Mortgage

In XXXX of XXXX we applied for HAMP Modification for the pandemic for a two month deferment but they approved us for 4 months. We skipped two payments and began to pay as normal. We started getting mail that we were going into foreclosure. I contacted LakeView Mortgage and I paid those two payments that we skipped to stop the letters. 
I told them not to do the HAMP paperwork but they applied the 4 months of payments to the loan anyway. Skip forward to present, we are trying to get a Home Equity loan and the ( HAMP ) Deed of Trust ( XXXX ) ( for account XXXX ) needs to be paid off in order to have the XXXX as second position. We can not get any information from HUD or LakeView Mortgage to find out how to pay that lien off. We close on the XXXX until we get this info. 
We even called the Trustee XXXX XXXX XXXX  office and got nowhere. 
I have two emails from HUD saying that in four days we will get a reply. But still no information how to pay this off. The XXXX shows the Secretary of Housing and Urban development as " lender ''. XXXX XXXX and Page 1836 Any help with getting this XXXX paid and released would be of great appreciation.
Product: Vehicle loan or lease

I have paid over {$30000.00} towards this car loan and it was paid until the last date payments were due. They said more money was owed past the loan term date so they repossessed the car. This is unlawful. I want my car back and they wont listen to me. The loan has been reported as a repo on my credit report. This is with Nissan XXXX
Product: Money transfer, virtual currency, or money service

New York XX/XX/2021 Dear Consumer Protection, I seek your help on a fraud that was made into my Citibank account. 

I am submitting this complaint upon the advice of the New York State Department of Financial Services that I received yesterday at XXXX. 

Citibank allowed an unauthorized wire transfer of US {$5400.00} from my bank account and refused to pay me back. On XX/XX/2021 ( Friday ), Citibank called me to inform me about an attempt to transfer money from my account. The attempt was made in Texas. 

On this same day, I also called Citibank using the number at the back of my debit card to inform about the call. On my call, Citibank confirmed that the wire transfers were on hold. Normally, it takes 3 business days to process a wire transfer. Not in this case because it appears that Citibank even facilitated the money transfer quickly. In the email, Citibank informed me to cancel the wire transfers. However, the wires were not canceled. Citibank did not block the intrudersit only blocked me from accessing my account online and canceled my debit card. 

On that same call, Citibank also informed me to replace my debit card and temporarily blocked any access into my account, which thankfully it did. I received my debit card replacement on XX/XX/2021, Tuesday. 

On XX/XX/XXXX ( XXXX  ), I went to the Citibank XXXX branch to follow up. The XXXX could not do anything on my case. 

Below are details of the fraudulent transactions : These are the fraudulent transactions : XX/XX/2021 Outgoing Domestic Wire Transfer ONLINE XXXX XXXX to XXXX XXXX = {$1800.00} XX/XX/2021 Outgoing Domestic Wire Transfer ONLINE XXXX XXXX to XXXX XXXX = {$1800.00} XX/XX/2021 Outgoing Domestic Wire Transfer ONLINE XXXX XXXX to XXXX XXXX = {$1700.00} My family depends on our small earning. I only have an intermittent job and my wife XXXX XXXX XXXX XXXX. We have children in XXXX to support. Already it's very hard to make both ends meet especially during this period of the pandemic. I need my hard-earned money. 

I am ready to provide more details, if necessary. 

Thank you for your help and understanding. 

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

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX {$24000.00} XX/XX/XXXX In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting

Someone is trying to open a credit card under my name on XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax gave up my personal information to hackers. I am completely compromised
Product: Payday loan, title loan, or personal loan

I had 2 charges of approx. {$110.00} in my checking account. I didn't catch the first one because I thought it was a restaurant charge ( date and amount were the same ). When I received this second one I went to dispute the charge and saw a {$500.00} credit on XXXX. I did NOT make this or any other loan. I called them and they said they had a signed contract. When I told them it was fraudulent and I wanted a copy of the contract, they told me to " call the police ''.
Product: Vehicle loan or lease

I was a victim of identity theft and submitted a police report to verify my statement to XXXX and Experian. Neither was willing to understand that I was a victim. Someone abstain an auto loan with XXXX XXXX XXXX and XXXX XXXX XXXX in my name without my knowledge and Ive tried for years to have this removed so Im filing this complaint to hold them accountable for the law.