23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery Association On XX/XX/XXXX I sent Portfolio Recovery a Debt Validation Dispute letter because on my credit report its stating a deragatory acct. Of {$550.00} I sent it certified Mail Return receipt requested. Post mark on Receipt Received on XX/XX/XXXX. However during the period of days nothing, No correspondence or acknowledgement or Debt Validation response has come to my attention.They put on my credit Report that Acct is Disputed by Consumer I have sent a second letter, waiting the 31 days I sent another Disputed and Debt Validation on XX/XX/XXXX.But even a second Dispute Debt Validate so the can respond with some correspondence.Nothing has been received by me, they signed for the Two Certified however I Have n't received 1 piece of correspondence from them, no letter of acknowledgement.The company states in all my Credit Reports go through Portfolio Recovery. Portfolio Recovery states I have a Deragatory Open Acct of {$550.00} which original creditor is XXXX however Creditor Contact Details Portfolio Recoverywith no details. On all my XXXX different Credit Report it states meets FCRA. .Portfolio Recovery has not sent me the Consumer One piece of information for this claim.The Credit Report states the account was opens on XX/XX/XXXX. My XXXX report from XXXX/XXXX/XXXX states loan types Debt Buyer.
Product: Mortgage

Paid {$20000.00} to bring a house out of foreclosure. Nine months later they said to pay another {$8000.00} or they will put the loan in default. The XXXX XXXX is due to escrow. How can the account be made current then I 'm told I owe six years worth of escrow? I also found out that I was sending payments but they were n't cashing them.
Product: Credit reporting or other personal consumer reports

On XXXX a credit card for the amount of {$3000.00}, on XXXX a car loan for the amount of {$30000.00} and on XXXX another car loan for the amount of {$98000.00} was opened in my name without my knowledge or consent. I have reached out to all consumers and all 3 credit bureau insisting that they handle these fraudulent accounts respectfully. I have mailed all parties all the documents including police reports and FTC reports to hep wit this matter. XXXX and XXXX has since received all documents and removed these fraudulent accounts respectfully. TransUnion responded back to me claiming that the consumers verified these fraudulent accounts which is a violation of my right under federal law 15USC1692c ( c ) I also spoke with a supervisor at TransUnion Special Handling Department by the name of XXXX XXXX which he responded that I need to contact consumer again and there was nothing he can do after who explained to me that all my paperwork was valid including police report. so I totally feel like I am being Biased towards me because I informed him that my rights was being violated and I was gon na file a complaint which made him claim that he was gon na put the dispute back in.. he refused to handle this matter professionally and I would like for someone to take over this matter respectfully.
Product: Debt collection

The debt of {$500.00} that was owed to tekcollect representing XXXX was payed directly to ccac aproximately 4 months ago. They informed me that tekcollect would be notified. According to XXXX the debt has not been resolved and is still negatively impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submititing this Complaint to dispute the inclusion of an account on my credit report. I recently obtained a copy of my credit report from the Credit reporting agencies, and upon review, I noticed the presence of accounts for which I require documentation to substantiate its validity and compliance with my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, I have the right to request verification of the accuracy and legitimacy of any information on my credit report. I kindly request that you provide me with the necessary documentation that establishes the legitimacy and rightful inclusion of the account in question. This documentation should include, but is not limited to, the original signed contract, detailed payment history, and any other relevant records supporting the validity of this account. I need the Credit Bureaus to investigate and remove the following accounts : XXXX  XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX  : {$0.00}
Product: Vehicle loan or lease

My Toyota  XXXX  was repossessed from my driveway. I wa s three  payments away from having the lsix year loan paid in full.   now on my credit report it reads tha t I/O Toyota  {$700.00}.
Product: Credit card

I opened a dispute on a transaction for XXXX $ On XX/XX/XXXX with my credit card issuer. I started this dispute because I never received what I paid for. This card was issued by comentity bank. They have since closed my dispute saying that I received a delivery on XX/XX/XXXX but I never received anything from the company. The company is XXXX XXXX and they have 100 's of complaints from consumers never receiving what they paid for. I can't believe that I am being looked at as a liar. I NEVER RECEIVED WHAT I PAID FOR, POINT BLANK. What do I need to do to take this to the next level? Do I need to get a lawyer or something of that nature?
Product: Credit reporting or other personal consumer reports

This company I C SYSTEM has been reporting inaccurate dates, statuses of debt, and remarks! I have disputed multiple of times with no resolve.
Product: Mortgage

NewRez LLC has purchased my mortgage from another lender. This is my mortgage for my condominium and primary residence. 

They have sent multiple letters threatening to purchase " hazard insurance '' on my behalf, after I have provided all of the documentation they have requested. This hazard insurance has been purchased by my HOA, on time and with out any lapses, and I have provided this information several times. 

They are threatening to purchase this insurance to cover dates IN THE PAST (? ) at an expense that could be " significantly more than insurance I could buy myself '' ... it's outright fraud. 

The XXXX automated system, online help, and phone hotline are a dead end. No one calls back, no one can help. 


XX/XX/XXXX : Original letter from XXXX stating that they need a copy of my HOA hazard insurance. 

XX/XX/XXXX : Called and representative said it was just an initial letter and no policy would be purchased without more warning. 

XXXX  : I obtained and sent all of the insurance information. 

XX/XX/XXXX : Received second letter from XXXX saying what I provided was sufficient. 

XX/XX/XXXX : Received a new letter that says it's my final notice (? ) and need insurance information for dates that have PASSED, XX/XX/XXXX, XXXX XXXX, XXXX or I will be charged + {$500.00}. 
- XXXX does not include a place to send the information. 
- Chat agent is unavailable, no one calls back, on hold endlessly. 
- Asking for insurance information for dates that have passed and threatening to buy insurance for past dates and charge me for it (? )... For an insurance policy that isnt mine ( responsibility of the HOA ), for a policy that Ive already given information for. 

XX/XX/XXXX : Uploaded insurance document for all of XXXX to cover their new dates in question. 

XX/XX/XXXX : Received an email saying they received documents and will update my information within XXXX hours, they provided reference : XXXX XXXX XXXX New letter dated XX/XX/XXXX saying I havent provided the insurance information that I HAVE provided, and outlining a cost, for insurance that I dont purchase, for dates that are in the past. They say they will purchase this and add it to my escrow balance. 

XX/XX/XXXX : Filed complaint with XXXX 

XX/XX/XXXX : They have not returned my call for XXXX hours. XXXX system is a dead end. Online chat just gives you the number to their insurance department that no one answers. 

Infuriating and should be considered unlawful consumer harassment.
Product: Credit reporting or other personal consumer reports

I reported the missing cards on my credit report and the companies responded with letters with the information about those cards, so the cards do exist, but no one explained who removed them from the credit bureaus. 
I called Equifax in XX/XX/year> to report this issue and this told that credit cards XXXX not report, that I need to contact them to see what happened to the card information deleted from my credit report. 
XXXX XXXX : XXXX Buy- {$7800.00}, XXXX XXXX Depot- {$580.00} XXXX XXXX XXXX {$4900.00} ( this XXXX XXXX and was not reported before to CFPB ), XXXX XXXX- {$1200.00} and XXXX {$6800.00} I am still waiting the information on my credit report from Equifax. 
XXXX and XXXX have the information deleted too.
Product: Credit reporting or other personal consumer reports

Last month I received an alert from EXPERIAN that my credit score was dropped by XXXX due to XXXX XXXX reporting me being over limit by {$29.00}? The XXXX overlimit fee was paid immediately. I reached out to XXXX XXXX which stated they only report late payments. Needless to say Experian dropped my score from XXXX to XXXX. UPDATE MY COMPLAINT WAS INVESTIGATED BY EXPERIAN THEY ON GAVE ME XXXX BACK OF THE XXXX I HAD. SO I AM FILING A COMPLAINT AGAINST EXPERIAN. I WAS NOT LATE OR OVER 30 DAYS.
Product: Debt collection

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Capital Credit & Collection Service , Inc .

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Re : Acct # XXXXXX To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXXXX, which you claim I owe {$870.00}.

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

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

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation.

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX SSN : XXXX Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
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 Account XXXX : XXXX has violated my rights. Or 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 XXXX 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: Bank account or service

Wife opened an individual checking account with Bank of America ... ..Several weeks later we opened a joint checking account with them as well ... ... Check was presented in joint account that was returned for insufficient funds ... ... We corrected the issue and placed cash in the account to cover the same ... ... ..We received an alert from Bank of America to contact and to resolve the issue ... .We did so accordingly early that morning ... ..Later that afternoon, we went to the ATM to get money out ... ... Unable to do same and needed to call the Risk Closure center ... ..We called them and they said that they will need to close the account due to " fraudulent activity '' ... Make me understand where placing money in your account is fraud ... ... They refused to keep the account open ... ..To make matters worse, my wife 's individual account had been used by her on multiple occasions ... ... Bank of America closed her account as well ... ..That was insulting to us that a small mistake that we resolved cost us full closure of our accounts ... .They treated us like we were criminals and did not try to assist us ... ... Why send the alert to resolve it and then close the account afterwards ... ..To make matters worse, we still have money in the accounts that we can not access because they will be sending it to us in the form of cashier 's checks ... ... .Went to the local branch to try to resolve it ... ..System stated that they could not reopen account all the way up to branch manager ... ... A bad way to treat a potential customer ... ..I understand about the accounts being new but to close both accounts was a little ridiculous to me ... ... My wife was fuming about the whole situation because she deposited money into her account and there was no issues with it ... ... ..We have been basically banned from Bank of America for a minor mistake that was resolved in less than XXXX hours once it occurred ... ... ..
Product: Checking or savings account

On XX/XX/2020, I opened a Wells Fargo Everyday Checking account with an attached bonus offer. The bonus offer promised a {$400.00} bonus after opening an account with an opening deposit of {$25.00} and making direct deposits worth {$4000.00} or more into the account. 

On XX/XX/XXXX, I made a direct deposit of {$500.00}. This should have satisfied the opening deposit requirement and part of the {$4000.00} requirement. 

Also on XX/XX/XXXX, I made another direct deposit of {$3500.00}, which should have completed the {$4000.00} requirement and made me eligible to receive the bonus. 

On XX/XX/XXXX, I still had not received the bonus, so I called Wells Fargo customer support. I was told that my first deposit counted as the opening deposit, and only the second counted toward the {$4000.00} direct deposit requirement. I was told that I had no recourse and missed out on the bonus. 

I feel this technicality was misleading, as this was not specified in the fine print and at no time was I warned or informed that I was in jeopardy of missing the bonus. I feel I satisfied both the opening deposit requirement and the requirement of direct depositing {$4000.00} into my account. 

Because my money was tied up in this account, I was not able to use it to invest in other sectors, effectively taking further potential earnings away from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account has violated my rights. 

XXXX : Account # XXXX 15 U.S.C 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.
Product: Credit card

Was charged a Late charge that was not my fault. Tried to make payment online, would not take my payment. Tried to call that day. Had to wait 45 min hung up. tried to call next day, die day, compnt said all agents were busy call back later. Called day and was late. Not Fair. I tried for two days to get them there money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a public record investigation request to LexisNexis XX/XX/2018. I received a response more than 35 days after stating that the public record item was verified. In my correspondence, I request the Method of Verification which LexisNexis did not give in clear violation of FCRA. Additionally, they exceeded 30-day response requirements as per the FCRA.
Product: Credit card or prepaid card

I called the credit card company to ask about getting my interest rate lower. My credit score is XXXX and I have paid my bills on time. I believe I am being redline because of where I live, My interest rate is 21.24 %. I called them in XXXX about my rate. They said that they could not lower it. I got a paper in the mail where they were offing me a loan with 0 % interest until 2022. This is not right.
Product: Checking or savings account

Overdraft fees are unethical and negatively impact low-income workers and people who struggle with money management. 

Over the course of two days, Regions bank charged me 3 {$36.00} overdraft fees totaling {$100.00}. I " locked '' my debit card using their " LockIt '' service to prevent any overdrafts, but this service doesn't block automatic payment transactions. 

I used their online help messaging system and was told that I need to sign up for overdraft protection, which isn't an option for me because it requires that I have MORE money to put into a prepaid card. 

I called their customer service line after I was in tears from being so overwhelmed. After speaking with a supervisor I was credited ONE fee back, which I am grateful for, but I'm still negative {$72.00} PLUS the amount of the insufficient transactions. 

I have a good credit score, so I don't want to open any lines of credit or accounts or cards, I just want this company to have a bit of empathy for me when they can clearly see I have paychecks being deposited into my account every week to make up for any insufficient balances. 

Since moving into a new apartment with a higher rent, I've had to work multiple jobs to be able to afford to live. I am not an excessive spender, but I have always struggled with money management and have anxiety around finances. 

This {$72.00} could have been used for my water or light bill, now I will have to find another way to pay for those things.
Product: Mortgage

Company Name : Freedom Mortgage Website : https : //www.freedommortgage.com/ Phone Number : XXXX Loan Number : XXXX Name : XXXX XXXX XXXX Before I start I should say that the last customer service person I spoke with a week ago told me he sees issues like mine everyday and that Freedom Mortgage abuses Veterans. 

I have been begging to get off Forbearance for over a year and a half. You can listen to my calls and Ive been kind and patient but have pleaded to get back to a standard payment. 

In which time I have had 3 modifications presented to me and then retracted because they were wrong. I always have to wait 6 months to have it completed. I made payments and have no clue where those payments went. I am promised phone calls and return calls and they never happen. However in the mean time XXXX racking up interest. I have escalated to XXXX XXXX ( the XXXX  ) twice and when I think I have found hope they quit calling. Each week I get a call from collections and no one has any clue whats going on with my loan. They each look and see that the escrow is wrong and my payment should be lower and all agree but nothing ever gets fixed. I finally modified last month for a {$2900.00} payment. When my XXXX payment was done they changed the payment to {$3900.00}. No one knows why as they can look in the system and see the escrow is wrong. Ive had people quote me rates that are wrong, Ive been asked to present a letter of credit from the day I closed which was over 2 years ago. They said they needed it for a VA audit. This has been the craziest saddest customer service experience issues ever and its obvious they want my house. They are forcing me into a payment that Ive said I cant afford. I paid the {$3900.00} last month to avoid a 30 day late but I cant keep doing that. Ive been in and out of XXXX for the last year and that on top of getting zero resolve on my mortgage is draining. There are customer service records on my from over a year and a half and every service person that reads my records stated thats no way to treat a Veteran and then adds they see this all the time. Can you please help me. Ive been patient, I send them what they ask, I have seen other companies on their medications work with fellow veterans I know and they made it so easy. Why is it taking me a year and a half. I have had two service people try to blame me for this because they refused to go back and see what all has transpired and the errors freedom mortgage made on my file and the two failed mod attempts where they messed up The escrow numbers. There is no reason to take my payment to {$3900.00}. Please please help me. 

XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX Texas. XXXX
Product: Debt collection

I requested him to validate his debt by sending me the original contract with my signature on it and they havent and they keep harassing me from different numbers all times of the day and night
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I received information that I may be deploying and I paid all the balance on my XXXX credit card and kept the card, not knowing that they charge me interest after the billing cycle, without communicating with me the charge accrued interest which I didn't know until they reported it as late payment on my credit report on XX/XX/XXXX. 

When I reached out to the bank, they reversed all the late payment fees, I paid the remaining payment and they decided to close the account which is not fair to me. 

They put the 90 days late payment for the little amount and despite the fact that I already settled the payment and the late payment is not my fault it is the bank that failed to communicate with me that I have payment that is due. 

I will appreciate if the late payment can be remove from my credit report with XXXX  and Experian, I filled dispute with them and they didn't remove it because the bank claimed that it is valid charge, I explained the same to XXXX XXXX and they already removed it That is the only late payment on my report because I always ensure that I make my payments on time