23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX/XXXX/XX/XX/XXXX XXXX XXXX working for Orions Management Group L.L.C. Group called me at my employer. I could not talk so I gave him my phone # and he gave me his as ( XXXX ) XXXX and said I would call back. When I did the same day XXXX minutes later during my lunch at XXXX XXXX he threatened to take me to court and tag on hundreds of dollars in court fees. I asked him to send it to me in writing and he refused to do so. He threatened to send it to his attorneys right now if I did n't comply right now with a promise to pay. I gave him my credit card # and e-mail but no specific day he can charge it nor an amount and said I would call back. I did research and learned the statute of limitations for suing me started the XXXX time I missed a payment which according to my credit report was XXXX and as of the day XXXX XXXX called me the item was seven years old and a Time-Barred debt. I called XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX and asked him if he could sue me for a debt that had run the statute of limitations of XXXX years in my state Washington and he told me he could because the statute for this item started on the Charge off date which he said was XX/XX/XXXX. He then began raising his voice and speaking very fast saying he could charge my card right now or forward it to his attorney and I have n't given him verbal or written consent to do so. I disconnected the call without another word. I sent him an e-mail to clarify what he said on the phone on this same day XXXX/XXXXXX/XX/XXXX and to request this debt in writing. Instead of responding he called me at XXXX XXXX and XXXX harassing me while I am at work and unable to come to the phone. He sent an e-mail reply ignoring my questions and said he would send his settlement offer and that is all I received. After this I sent an e-mail again requesting he respond to my questions and he replied I would have to call him to discuss. To summarize XXXX XXXX threated to take me to court, garnish my wages if I do n't pay on a Time-Barred debt and when asked specifically about his right to sue me he provided false answers and threaten to charge me card for which he has authorization to do so. He caused me undue stress with his false statements and it has adversely affected my health and peace of mind. He is harassing me and using unfair collection practices which are prohibited by Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had TG max credit card on XXXX Used the card and paid off the whole debit immediately. However mistakenly forgot to pay XXXX XXXX left. About a year later I was trying to mortgage a house and I realized that my credit score is not as expected. After some assistance I realized that I had this forgotten XXXXXXXX XXXX in my account. I immediately paid it off. I called the collection company multiple times and Realized that they never reached out to me to collect this XXXX XXXX They had a wrong phone number and Wrong address. I never received anything from their end. Now after almost 2 years my credit score is hurt by that incident. I am desperate for help as I am planning to mortgage a house soon and this standing in my way unfortunately.
Product: Mortgage

My mortgage is serviced by BSI Financial Services. 

I purchased my home in XX/XX/XXXX. The home was very outdated. I had since then added significant value to the home through numerous renovation projects. The home was refinanced to have a lower interest rate in XXXX ( approx. ) XXXX without an appraisal due to high demand in the area. Later the loan was purchased by BSI Financial Services from the original company. 

I contacted BSI Financial Services in XX/XX/XXXX expressing interests in removing the PMI ( Private Mortgage Insurance ) on the mortgage. BSI Financial Services customer support instructed me to get an appraisal and they can then process the request. I found it strange that I had to do this myself since as a general rule, the appraisal should be initiated by the mortgage servicing company. So I called later in XXXX again to double check this process. I again was told that all I need is an appraisal letter. 

So I worked with a local appraisal company to get the property appraised. The LTV ( loan to value ) ratio is indeed less than 78 %, which means the mortgage should be eligible to have PMI removed. 

I contacted BSI Financial Services again early XX/XX/XXXX. I was told to submit a written request with my signature that indicates I would like to remove the PMI on the loan. I did this shortly after the call. 

I had received the 'decision ' letter from BSI Financial Services rejecting the request to remove PMI on the loan. Reason being 'The origination date of your loan is less than two years '. 

As I did my research and read through articles on CFPB, according to the Homeowners Protection Act, the requirement of removing PMI is as bellow : 1. Your request must be in writing. 
2. You must have a good payment history and be current on your payments.

3. Your lender may require you to certify that there are no junior liens ( such as a second mortgage ) on your home.

4. Your lender can also require you to provide evidence ( for example, an appraisal ) that the value of your property hasnt declined below the original value of the home. If the value of your home has decreased below the original value, you may not be able to cancel PMI at this time. 

I can confirm that I have fulfilled all the above requirement. And the 'seasoning ' requirement should not prevent me from removing my PMI based on this article : https : //www.consumerfinance.gov/ask-cfpb/when-can-i-remove-private-mortgage-insurance-pmi-from-my-loan-en-202/ Please let me know if there's anything else I can do to successfully remove the PMI on my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet at the store a couple of years ago and I believe this is what is affecting me now. My identity has been used to open accounts I never authorized. Please help me and remove these fraudulent accounts from my report. They are not mine. 

US DEPT ED XXXX {$1700.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$5500.00} DPT ED/XXXX XXXX {$5500.00} DPT ED/XXXX XXXX {$3500.00} XXXX XXXX {$56.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX  XXXX {$190.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$950.00} XXXX  XXXX  XXXX {$660.00} DPT ED/XXXX XXXX {$3000.00} XXXX XXXX XXXX {$23000.00} XXXX  XXXX {$2100.00}
Product: Credit card or prepaid card

A year ago in XXXX I received multilple offers on a credit card that I recently had to continue on a program of 0 % interest. I walked into the bank to talk to a representative about this offer that seems too good to be true. They told me that it was a great promotion and also recommended that I open a second card with a 0 % interest as well to help consolidate debt from other cards. I did as advised which also meant maxing out the new credit card and taking the remaining balance as pocket money. 

Months ago I noticed that all the payments I have been making have barely made a dent in my balance. I called to discuss these insane interest charges on a charge that I dont use. The representative on the phone told me about these interest charges and I explained that I was told there wouldnt be any. She insinutated that I took money out and pocketed it when I explained I was advised in all steps to do as the financial advisor at the bank told me to do. She was no help to me and berated me for my debt. 

I still accure charges of interest on purchases without purchasing. These charges are 50 % of my payments made and are creating more debt. I was falsely mislead in their promotion and thought I was being advised in the direction of debt relief. I have never had a more debt accruing credit card in my history.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here are the accounts I am asking to verify as accurate : Account Name : XXXX XXXXXXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found that the credit bureaus are still illegally reporting inaccurate and false information about me. The following alleged accounts are listed as a collection/charge off with a past due balance. This is a violation of the FCRA and also in violation of the requisite METRO 2 complaint reporting standards. 

According to the Fair reporting act. I have the right to a fair and accurate credit report and you are required to remove any information that is not true, accurate and verifiable. 

Please remove this accurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and Metro2 reporting standards as well as these accounts removed. 

XXXX. XXXX XXXX XXXX balance {$100.00} XXXX XXXX {$480.00} XXXX XXXX {$640.00} XXXXXXXX XXXX XXXX XXXXXXXX {$700.00}
Product: Debt collection

Crown Asset Management , LLC That debt is not mine. The account only shows an account number XXXX or original vendor. Misrepresented is all over. The other misrepresentation in this letter is that they are charging {$870.00} for principal. {$170.00} for interest and fees for {$240.00} in fees. 
Federal law prohibits the collector to charge interest & fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account numbers # *XXXX  Account # XXXX *XXXX  Account # XXXX I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that l am requesting " validation '' : that is competent evidence bearing my signature. 

Please also be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962e ) ; therefore, if you can not validate the debt you must delete.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on an consumer report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. Please verify the following account or remove it immediately : XXXX Account # XXXX *XXXX  Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX  XXXX Balance {$2900.00} XXXX XXXXXXXX XXXX XXXX Balance - XXXX XXXX Inquiry Date XXXX XXXX, 2020 XXXX Inquiry Date XX/XX/2020 XXXX XXXX Inquiry Date XXXX XXXX, 2020 XXXX XXXX Inquiry Date XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I had a company named MIDLAND CREDIT MANAGEMENT posted a NEW collection on my credit report. BUT it wasn't new it was a year and a half old. I believe this is agents the law! It's my understanding that once it goes into collections the date can't be changed! I have submitted a claim through my XXXX XXXX app. If you could help that would be great!
Product: Checking or savings account

I was recently sent a check for XXXX which I did not cash. Wells Fargo had me arrested not once but twice on a hot check. Which was paid twice. 2 trips to XXXX plus having to pay the XXXX XXXX and the check off twice! And I get XXXX back?
Product: Credit reporting, credit repair services, or other personal consumer reports

My cash app account was locked on the XXXX of XX/XX/2020 I contacted cash app support team and send several mails and XXXX on XXXXr no one responded to me I cant transfer cash or pay bills I want my account unlocked.cash App doesnt have good customer service
Product: Debt collection

Sallie Mae/XXXX continues to call me when I've told them they have the wrong person. They say thank you for letting us know but they call again. This has been ongoing for years.

They are calling everyone with the same name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your assistance in removing some fraudulently obtained information from my credit report, however, there is still information that has been forwarded to me that needs to be deleted or blocked. According to FCRA section 605, credit bureaus are required to delete any records listed on an ID THEFT REPORT. I am including this item again since I proactively remembered it from an earlier correspondence. My attorney is eager to hold you accountable for your tenacious rebelliousness after I informed them of my intentions. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit card or prepaid card

XXXX of XXXX Wells Fargo Bank Employee XXXX XXXX XXXX in N. Carolina Business Credit Card location closed our business Credit Card and increased the {$600.00} pymt to {$1000.00} and interest pymt went from {$300.00} to {$800.00} and our interest rate went up to 24 % on an account we had on auto pay from XXXX to XXXX until she closed the account due to a bank error. We we reached out to Wells Fargo Bank XXXX XXXX XXXX then stated that she closed the account within 30 days and refused to reset the account. Our banker XXXX XXXX got involved a verified for XXXX XXXX XXXX that this was indeed a bank error and instructed Ms. XXXX to put the account back the way it was. On XX/XX/XXXX XXXX XXXX XXXX set an auto payment for {$3900.00} that was unauthorized and this payment was done through our business/personal online account. We were unaware that XXXX XXXX XXXX had accessed our account online and set a payment in place and then the billing cycle of XX/XX/XXXX passed and there was not a pymt processed and then on XX/XX/XXXX XXXX XXXX XXXX forced a payment through our Wells Fargo Account and bounced a {$8400.00} check for our business building lease to XXXXXXXX XXXX  XXXX on purpose. When we were notified by our landlords that our first check had bounced - we contacted Wells Fargo Bank and the agent could not see who set the payment and it said YOU in the signing credentials. This was all internally done by Wells Fargo Employees and it is Wire Fraud and Theft. XXXX XXXX XXXX continued to access my account in XXXX and set another payment for {$1000.00} in place - she also refused to put the rewards back on the account as she was instructed to do so and open the credit card back up again. XXXX XXXX XXXX has continued to log into our online account and we have filed several complaints online, with the Wells Fargo Executive Office and also inside the branch. I was notified that XXXX XXXX XXXX is still working with Wells Fargo Bank and I believe that Ms. XXXX is the reason we are continously have phone numbers that are allowed to be texted to get into the online account instead of the XXXX I purchased last year from Wells Fargo Bank for security. We also informed her supervisor XXXX XXXX and Mr. XXXX in Arizona. 

We have awaited a review and only to find out now that we have to start all over again and after Wells Fargo Executive Office has been reviewing these events for the past year now we have been advised to start over again with the Fraud department. I am frightened and also received a phone call from XXXX XXXX XXXX threatening me when we reported this during the initial investigation. We reported this to Wells Fargo Bank several times and they have ignored our complaints. 

My credit has been ran several times with Wells Fargo without my authorization and we believe that there is fraud on this account and we did not set up our accounts to monitor our credit. 

XXXX XXXX XXXX has moved {$6000.00} over a 4 month period and XXXX knows what else and Wells Fargo is protecting her employement and has denied my CCPA requests that were made at the beginning of this year.
Product: Checking or savings account

I used my debit card and it was declined saying they don't support that kind of transaction from that company then i did a transfer from my spending account to a verified debit card and they declined it and made it to be a transfer from my debit card to my spending account which that wasn't the transfer i tried to do and they said they can't tell me nothing or close my account, they verified me when i opened it and i just want my money out the account before they trade it and invest it.robinhood will not do anything to resolve this
Product: Debt collection

I created an account to monitor my credit and was surprised to see a collection from Helvey & Associates which dropped my score significantly. My grievance with this collection is that I received no phone call ( s ) or contact via USPS mail to confirm this collection is mine or valid ( FDCRA ). Due to this, I did not obtain the full statutory period in which to dispute the validity of the debt in question as I did not receive any initial notifications regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018, I filed a dispute with Equifax. Equifax reported a secured account with XXXX/XXXX XXXX XXXX XXXX. None of the information was correct. Initially, Equifax reported as a credit card that was over 120 days past due. I received an update, my profile is now reporting a " secured '' loan, which is not correct. High balance of {$3400.00}, and I already stated never had a credit card. In fact, I do not have a secured loan. And if I did, how would I be 120 days past due when my credit report is saying the monthly payment is {$250.00}, but only {$410.00} is past due. None of this makes sense. Equifax did not properly investigate.
Product: Credit card or prepaid card

In XX/XX/XXXX, I purchased a sofa from XXXX XXXX. In XXXX of XXXX, I was informed that XXXX XXXX  completed an XXXX process to sell their company to another company and that my order was never produced. I was given the option to cancel my order and submit a claim for the amount of money I spent. I did so. I was told to wait until XXXX XXXX for a resolution. XX/XX/XXXX of XXXX, I found out that the company responsible for settling XXXX XXXX  debts would not be paying out my claim. So I was out that money for a product I never received. I am waiting for XXXX to resolve this dispute and refund my XXXX dollars.
Product: Mortgage

XXXX XXXX XXXX ( Part of the XXXX XXXX ) charged me an additional {$50.00} in fees to generate payoff amount requests which were produced online. There was no mention of these fees when it was requested, via online account access. Besides, the payoff request was generated on their website which I printed out after the 2nd attempt, but they also sent me mailed copies. The first attempt, the website was unresponsive, but SLS still managed to charge me for that request. This is a deceptive practice and I should not be held liable for these extra fees.
Product: Money transfer, virtual currency, or money service

While using Coinbase my account was hacked and the hackers sent {$30000.00} funds from my account to XXXX from XX/XX/XXXX- XX/XX/XXXX. They compromised my Coinbase wallet and had access to all my logins, photo copy of ID and passwords. Coinbase claims they cant recover funds from XXXX. I gave them the ID it was sent too, but no action was taken. I reached out to XXXX about my accounts being hacked but no resolution from XXXX Bank.
Product: Debt collection

On XX/XX/year>, I was called at XXXX XXXX  by an Aargon Collection Agency representative by the name of XXXX XXXX he told me that I had an oustanding debt of {$140.00}. I was caught off guard by this call, and requested to call them back after consulting with my parents, as I have never interacted with a debt collection agency before this. After consulting, I called back and requested the name of the medical institution they purchased the debt from, which I was provided with, along with an account number to check my debt on their website - the representative on the phone insisted that their website was payaargon.com, a domain name that is not currently owned, which made me highly suspicious. However, the account number was usable on their actual website, aargon.com, and I was able to see the charge using it along with my last name. 

Having the name of the institution which sold the debt, XXXX XXXX, I called the hospital 's financial line and spoke with a representative at the location. They were unable to substantiate any debt currently on my account, nor were they able to verify ever having given my debt to this company. With this knowledge, I called again around XXXX XXXX  with the intention of beginning the dispute process for the charge. I was told that only the initial representative, XXXX, could handle issues related to my debt, and was put on hold. After a brief hold, I was told XXXX was on call with another customer, and that he would call me back when he was through. 

I waited until XXXX XXXX  and called back myself, and was able to speak with XXXX once again. I informed him of my intentions to begin the dispute process, and was put on hold, at which point the call hung up. I was not called back. After consulting again, I tried calling Aargon 's compliance number 3 times, each was disconnected instantly.
Product: Money transfer, virtual currency, or money service

I ordered an XXXX online on XX/XX/XXXX. I used PayPal with confidence under their buyer protection promise. I was billed and then paid {$240.00}. No shipping information was provided. I filed a dispute on XX/XX/XXXX. A tracking number was provided by merchant. The item arrived not as described. A worthless phone case. I filed a claim and provided picture evidence. PayPal has been unhelpful and unresponsive in helping settle this case. I have been delayed and asked to file an internet crimes report twice. Which I have done. Still PayPal will not answer or provide me with information about the merchant or their buyer protection.