23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is an attempt by a former landlord and its Debt Collection Agency to profit from the Covid-19 hardship. After successive phone calls in which I contested the debt, I demanded validation of this debt and the collector sent a letter demanding payment of a " late fee '' of {$3100.00}. The fee purportedly arose from my prior residential tenancy in Philadelphia. Commencing on XX/XX/XXXX, months before the XXXX expiration of my lease, I gave multiple written notices by certified mail, return receipt to my landlord stating that I would not be renewing my lease because I was fired due to Covid-19 layoffs. The landlord signed for my letters. It knew my financial condition. I was unemployed and couldn't afford a lease renewal. Simultaneously, on XX/XX/XXXX, the XXXX XXXX XXXX passed the Emergency Housing Protection Act ( " EHPA '' ) ( Sec 9-809 ) which barred landlords from charging late fees from tenants who experienced financial hardships due to Covid-19. The law covered fees imposed from XX/XX/XXXX to XX/XX/XXXX, overlapping the exact period of my lease. The EHPA rendered any lease provision charging such fees " void '' and " unenforceable ''. My lease expired in XX/XX/XXXX and on XX/XX/XXXX the Landlord demanded payment of the " late fee ''. The Landlord 's managing agent concealed my prior certified letters and unilaterally inserted her own dates to make my notice of termination appear late. The landlord then predicated its " Late Fee '' on the late date imposed by its own agent. I wrote the landlord regarding all of the issues and never heard back. On XX/XX/XXXX, I commenced a mediation before the XXXX. Attorney General. The landlord defaulted and never appeared to adjudicate its claim. Unfortunately, the mediation was voluntary and the landlord evaded a final determination. No further communications occurred over the last six months, until the current debt collector attempted to resurrect this claim. This debt was fraudulently manufactured by this landlord and was explicitly void under the Phila. EHPA, but this Debt Collector is acting oblivious to the underlying illegality and pressing a spurious claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached document account with DCS/Division of Child Support/XXXX , is inaccurate , fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this DCS/Division of Child Support account : Please remove all of the inquiries as stated above, as they are listed below from Equifa'x report . The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below.
Product: Credit reporting or other personal consumer reports

I have asked the company on several occasions to provide me with documentation of ownership for XXXX XXXX XXXX debt. I have no knowledge of this debt or have I ever signed any contract or agreement with this company. 

I have not received any information in regards to the several inquires I have submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported me for 3 late payments. XXXX, XXXX, XXXX 2019.They charged me late fees and interest which continued to elevate my bill. I found out my bills were late through XXXX XXXX and immediately called XXXX to get this straightened out and get my account up to date. 
I have made at least 5 attempts to have them remove the derogatory remarks on my account. I paid off the account after speaking with customer service, they assured me the fee would be waived and update my credit report. 
Now they are saying I need to prove I didnt receive my statements, even after they have record they were returned to them! 
Please help get my credit report updated!
Product: Debt collection

XXXX from Hewitt Capital " pre-legal '' division has called my cell phone, work phone and my parent 's cell phone numerous times to supposedly collect a debt and deliver time sensitive papers.
Product: Checking or savings account

My bank, America First Credit Union is preventing me from receiving the PPP loan that I received from an outside vendor. My bank kicks the funds back without cause. My bank states that in order to receive my PPP loan that I have to have a business account in their system. The Small Business Administration approved my loan without me having a business account. My bank has overstepped. My bank does not have the authority to prevent me from receiving my PPP loan.
Product: Mortgage

I was in a COVID-related forbearance plan in 2020. I came out of that plan in XXXX and have been attempting to work with the company on a loan modification to bring my account current, but I do not get consistent or straightforward answers from representatives with the company. On the occasions I am able to get in touch with a representative, the answers I receive often dodge my actual questions and are frequently in direct conflict with answers I receive from other representatives. The few representatives whose direct extensions I do have, which would enable me to speak with one person familiar with my account, do not answer calls and do not return voicemail messages. The company has also refused to provide documents in a reliable way ( i.e. only sending via the post office, which has known issues at this time, and refusing to post the documents in duplicate electronically XXXX. This morning, when I attempted to make a regular monthly payment, my online account with the company stated that I was unable to do so and claims that my account is delinquent, which is untrue and in conflict with information I have received in the past. 

XXXX 's attempts to misinform, frustrate, and avoid me as I attempt to bring my account current are inappropriate at best and potentially unlawful at worst. I have tried to avoid submitting a complaint, but at this time I am forced to do so, as the company appears no longer willing to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my home XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX XXXX reported that my account was 90 days past due. Due to hurricane Irma XXXX XXXX XXXX put me into a temporary 3 month forbearance which allowed me not to make payments from XXXX. 
The payments were not to resume until XXXX XXXX however my home was sold by then. I spoke to XXXX XXXX XXXX, XXXX, Equifax and XXXX regarding this matter and none of them have resolved this issue. I am trying to purchase another home and this is making that process impossible.
Product: Credit reporting or other personal consumer reports

There was an FTC report filed in XXXX of XXXX, and last month I sent an updated letter to TransUnion to inform them that the unauthorized inquiries that were included in the FTC report over 9 months ago are still reporting on my credit report. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove the following inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a phone call XX/XX/XXXX at XXXX ET from an agent named XXXX XXXX from IC System. I informed her that the phone call was in violation of the FDCPA because I sent a letter disputing the validity of the debt to IC System over a month ago and had not been mailed verification of the debt as required before continuing an attempt to collect the debt. I asked to speak to her supervisor. Even after that information was provided to her, she asked if I am able to clear up this debt today. I reiterated that she should not be attempting to collect on this debt, and asked again for a supervisor. She transferred me to XXXX XXXX, who confirmed that IC System had received my dispute letter prior to the this call. I asked her how we proceed from here, because my rights were clearly violated, and she said she would transfer me to her manager. She transferred me to XXXX XXXX in the Consumer Affairs department. XXXX again confirmed on a recorded call that they had received my dispute letter prior to calling me, and told me I could email my complaint to their consumer affairs department, XXXX. I did so that day, and have followed up twice in the two weeks since, and have not received a reply. 

I also received a settlement offer letter dated XX/XX/XXXX. It is my belief that this letter was sent as a direct response to IC System 's receipt of my dispute letter, since IC System has only been attempting to collect on this debt for a very short period of time and was offering a 70 % settlement after a single collection letter. 

My wife happened to be home at the time I was talking to XXXX, overheard the conversation, and now thinks I'm in debt and hiding it from her. I now have to explain why I'm getting collection calls, why this debt exists, and reassure her that this is an anomaly. I haven't missed a payment on anything in decades. I simply do not owe this debt, the full amount of the debt for leased XXXX phones has been paid directly to XXXX when I canceled my service.
Product: Credit reporting or other personal consumer reports

This serves as my follow-up to the recent complaint concerning the fraudulent account removal in my TransUnion credit report. In accordance with the legal mandate under FCRA Section 605b, I strongly urge you to promptly remove the fraudulent account : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00}. This complaint includes my new FTC report, # XXXX, for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$75.00} XXXX XXXX XX/XX/XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX Equifax XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I received another declined from Capital One XXXX because my payments is too low. For the past 5 months, I have paid over the minimum amount on the credit card but not in one monthly payment. I have my Online Banking Bill Pay to automatically send XXXX payment each pay period which may be the reason they're saying too low payments. On XX/XX/XXXX, I contacted Capital One customer service to explain they are basing their decision on a single monthly payment when there is several in the same billing period. In addition, I asked why would they increase my XXXX credit limit when the last 4 months before the increase was minimum. They could not answer that question.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are making negative comments and causing me to be declared and unable to get a new apartment and I have to move by XX/XX/2023 or me and my son will be homeless. The company that just did my screening for approval said my only reason for decline was because of Amex
Product: Debt collection

The company has called my relatives and friends in the past with harassing phone calls at early morning hours. I called them to ask them to stop calling people I know and to not call me. They claimed they recorded the request in their files and would stop. Today I received 3 calls from them in a matter of a couple hours. I finally picked up to see who it was and it was them again. I mentioned I had requested the calls to stop and they claimed they only had record of me requesting to stop calling my relatives and friends. I made it very clear again not to contact me. They put a manager on the phone that wanted to chat and rebuttal whatever debt he claimed to be calling about. I asked repeatedly to stop calling and that I had no interest in speaking to him. He got aggressive about it and I hung up. I am extremely tired of these calls. I have a medical condition that is amplified by stress and this company is greatly affecting my health and well being. I wish to not be contacted by them any longer. I placed my phone number on the DNC list today in hopes that will help.
Product: Credit card or prepaid card

I booked XXXX plane tickets and XXXX sets of XXXX XXXX XXXX XXXX with XXXX XXXX. XXXX stated before my purchase was complete that if I got the XXXX Credit Card I could get buy-one-get-one-free-plane-tickets for my flight for also purchasing a 7 day car rental. I was approved for the credit card, I completed the transaction as stated benefits buy-one-get-one with the new XXXX credit card with my XXXX XXXX and XXXX sets of XXXX XXXX XXXX XXXX. BUT my 2 air plane tickets did not come off the purchase price. Now I just also got a credit card coming that cost me {$59.00} a year and I didnt even get the benefits as promised with my new XXXX Credit Card XXXX Purchase confirmation number is XXXX
Product: Checking or savings account

Pursuant to the CFPB case number : XXXX -- - I reference a letter I received today from Wells Fargo Bank dated XX/XX/2020 whereby Wells Fargo also issued me with the following case number for their records which ends in these last XXXX digits : XXXX. I attach a copy of this letter here ... I thank Wells Fargo for their kind response and offer of engagement whereby I can contact XXXX XXXX A case specialist with Wells Fargo Bank ... I see no reason to contact XXXX XXXX as I have documented everything here with the CFPB ... Clearly serious errors were made in the management of my bank account ... I include in this new complaint my own expression of doubt since I am not an attorney and as such I do not know the law ... My expression of doubt states the following that in my dealings with Wells Fargo Bank I acted in good faith I also brought to their attention these serious mistakes that were made on my bank account ... That is the best I can do ... I trust Wells Fargo Bank to have the decency and integrity to fix this serious problem and to offer me the resolution I have requested before ... I understand that Wells Fargo Bank needs time to process my complaint and to diligently research how in XXXX my details were sent to XXXX and also why it was that Wells Fargo Bank in their own correspondence with me denied a material fact that on the day I opened my new bank account Wells Fargo Bank did have my XXXX address as part of my recent address history that is a requirement for opening new bank accounts ... That for some reason Wells Fargo Bank saw fit in their own correspondence to me to deny this material fact ... I have no desire to communicate with Wells Fargo Bank for any reason whatsoever except in terms of their response to my complaint which I take very seriously and the resolution I have requested ... 

Attached please find the letter I received today in the mail Dated XX/XX/XXXX... 

Respectfully Submitted by XXXX XXXX XXXX XXXX XXXX ( XXXX XX/XX/XXXX ) - This is the referenced letter that is attached to this complaint ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and I recently obtained copies of my credit reports.

Upon reviewing them, I discovered multiple violations committed by your agency. I want to bring to your attention that I am entitled to monetary compensation under FCRA 15 U.S.C.

1681i ( 6 ) - Notice of Results of Reinvestigation. I am writing this letter to inform you of the specific violations that have affected my rights.

I demand that you promptly comply with these requirements.
Product: Credit card or prepaid card

I loaded money on a prepaid card at XXXX by the time I got home the money was gone I called about it then while waiting on a email I went to same XXXX and unloaded more to a serve card that was taken I did not authorize no company to take my money it was a scam company that took my money I dont know the company and never gave permission for my money to be removed didnt give me time to set up a account befor my money was gone. I would my money back and a better investigation on this issue I want my money back for unauthorized transactions.. from these two prepaid cards.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  XXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided. I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting

I am in bankruptcy since XX/XX/2015. I have been utilizing XXXX to monitor my credit and score since then. With this week 's XXXX update my scores ( XXXX and equifax ) were finally high enough to pursue a business opportunity. The company I was working with pulled a hard credit report through XXXX and much to my dismay one of my scores ( XXXX ) was no where near what XXXX had reported, the second score ( equifax ) was nearly the same and the third score ( XXXX ) was super low. All XXXX reporting various negative information post bankruptcy petition filing. Also as part of being in bankruptcy we should be offered all bankruptcy protections including the automatic stay which prevents negative credit information from being reported from the time of bankruptcy filing, i.e. XX/XX/2015. XXXX ( XXXX, equifax, and XXXX ) had XXXX different accounts reporting both being included in bankruptcy and reporting late payments post petition filing. These reporting of late payments are illegal, as well as hitting my credit score XXXX times each. Once for being in bankruptcy and another for being late thus killing my credit score.
Product: Mortgage

I have contacted PHH Mortgage on multiple occasions, including XX/XX/XXXX secure message, XX/XX/XXXX secure message with proof of payments, XX/XX/XXXX secure message, XX/XX/XXXX secure message, XX/XX/XXXX secure message, XX/XX/XXXX phone call with XXXX XXXXXXXX name XXXX, XX/XX/XXXX phone call with XXXX  XXXX, to dispute these inaccuracies. However, the company has failed to conduct a thorough investigation or correct the errors in a timely manner, as required under the Real Estate Settlement Procedures Act ( RESPA ) and other applicable laws. 

Through multiple secure messages and phone calls we have provided proof and requested accounting errors to be fixed, we have disputed all claims that we owe any missed payments. We showed our bank statements showing every single on time payment. We've tried lengthy phone calls and had everything escalated to the highest levels they've pushed the issue to. We were told the cashier department needed time to investigate and we were given a date they'd respond and they have not. During all of these disputes they decided to report our account to the credit bureaus as delinquent when it is not. Every day we see multiple accounting activities happening on their website that are false accounting errors. It looks a mess and someone is mishandling our loan. Phh only recently bought our loan From benchmark mortgage capitol and XX/XX/XXXX was our first payment t with PHH. So we thus provided bank statements showing automatic ach deposits every month since XXXX of XXXX. The escalation management saw the accounting errors and was perplexed at what was going on as he confirmed all of our on time payments. Multiple times a week since XX/XX/XXXX strange accounting activity shows on our portal on their website. For example : misapplied funds, payment reversals, mortgage curtailment. None of these exist on our end and I explained someone on their side of accounting is messing around with activity on our account. We confirmed with our bank there are XXXX funds that were reversed or refunded to us. I am concerned our loan is being extremely mishandled by phh mortgage corporation with lack of resolution to something that should be simple. They see our payments they have no right to say we have not paid on time every month. This could be fraudulent activity by PHH or management from within their cashier department at this point. We have filed a formal complaint through certified mail to the company requesting they fix all accounting errors and provide written explanations on how this happened and how they will prevent this from happening as well as to fix our tax end of year document and credit reports they damaged. The emotional distress and time we havr wasted of our lives dealing with their errors is frustrating and disheartening. Please help us get the company to do the right thing and protect us from their mishandling of our loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a request for debt validation to the debt collector ( XXXX XXXX XXXX ). On XX/XX/XXXX they have not sent me a debt validation. They have missed the 30-day validation deadline and as such, I need the credit Bureau to remove the collection from my credit report. As is my right under the Fair Debt Collections Practices Act. ( FDCPA )