23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have asked the representative from the Caine and Weiner to provide me the original contract stating that I gave XXXX permission to share or sell my information to any other company. They have yet to do so as well as I have been receiving invoices from XXXX directly but this debt collection agency is asking me to pay over {$1000.00} to them for this debt via a credit card that XXXX Closed and I was still paying on the card and it shouldn't have been closed. It was a net XXXX account and has been assigned to multiple team members at Caine and Weiner. When I tried to work out a payment arrangement with them the were very demanding. I also asked them if they could send me something in writing via US Postal Mail and they have refused. All correspondences have been via email. I have also sent them a Cease to Desist Letter as well and they are constantly harassing me. The are in violation of the FDCPA law 15 USC 1692g and 15 USC 1692 c ( c ) and I would like to report them. I owe a balance of {$500.00} something to XXXX and they are trying to collect that and there fees. I am unable to speak to someone at XXXX to pay the debt because they sent my account over to Caine and Weiner without me giving them permission to share my info and this was not in my original application that I signed.
Product: Credit reporting or other personal consumer reports

This claim is an adverse action and counter claim to Wells Fargo Home Mortgage Wells Fargo Home Mortgage claims that XXXX XXXX XXXX is the debtor The counter claim is that XXXX : XXXX could not possibly be the debtor due to what the law says XXXX : XXXX is in fact a living breathing woman who has pledged Allegiance to America ( unincorporated ) and shall not be with LEGAL NAME nor considered to be a " person '' " corporation '' " agency '' thus making any existing contract null and void.

31 USC 1501 ( a ) An amount shall be recorded as an obligation of the United States Government only when supported by documentary evidence of ( 1 ) a binding agreement between an agency and another person ( including an agency ) that is ( A ) in writing, in a way and form, and for a purpose authorized by law ; and ( B ) executed before the end of the period of availability for obligation of the appropriation or fund used for specific goods to be delivered, real property to be bought or leased, or work or service to be provided ; ( 2 ) a loan agreement showing the amount and terms of repayment ; ( 3 ) an order required by law to be placed with an agency ; ( 4 ) an order issued under a law authorizing purchases without advertising ( A ) when necessary because of a public exigency ; ( B ) for perishable subsistence supplies ; or ( C ) within specific monetary limits ; ( 5 ) a grant or subsidy payable ( A ) from appropriations made for payment of, or contributions to, amounts required to be paid in specific amounts fixed by law or under formulas prescribed by law ; ( B ) under an agreement authorized by law ; or ( C ) under plans approved consistent with and authorized by law ; ( 6 ) a liability that may result from pending litigation ; ( 7 ) employment or services of persons or expenses of travel under law ; ( 8 ) services provided by public utilities ; or ( 9 ) other legal liability of the Government against an available appropriation or fund.

( b ) A statement of obligations provided to Congress or a committee of Congress by an agency shall include only those amounts that are obligations consistent with subsection ( a ) of this section.

( Pub. L. 97258, Sept. 13, 1982, 96 Stat. 927. ) Counterclaim is that XXXX XXXX XXXX rebuts the assumption that Wells Fargo Home Mortgage makes that she is a legal fiction entity/person/corporation XXXX : XXXX invokes her Florida ( unincorporated ) State ( republic ) Constitution Right to invoke Common Law Jurisdiction Let the record show forth that Wells Fargo Home Mortgage has failed to comply with multiple Cease and Desist Orders, FCRA guidelines and policies, to follow and adhere to the T.I.L.A ( Truth and Lending Act ) rules and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX have to report to the Consumer Financial Protection Bureau, that I, recently, on XX/XX/XXXX find negative and very inaccurate information, was posted on Experian CreditReport on XX/XX/XXXX by unknown parties called XXXX XXXX XXXX. This parties claimed unpaid {$120.00} to XXXX. : phone # XXXX ; XXXX XXXX XXXX, XXXX XXXX, MNXXXX. 

My Account with XXXX was permanently closed in XXXX, all equipment was return and NONE unpaid balance was EVER Exist. How in the WORLD this very strange XXXX XXXX XXXX 4 years later claimed unpaid weird balance of {$120.00} and posted on CreditReport without ANY Proof, just to make sure to put dirt on my Credit History. 
XXXX provide absolutely awful TV Service, I was unable to watch my TV most of the time on cold and rain weather. I closed my account because of this. 

Consumer Financial Protection Bureau, please, investigate this matter from Experian Inc., why they let XXXX and XXXX XXXX XXXX.posted CLOSED Account on XXXX on Experian Credit Report in XX/XX/XXXX and should listed until XX/XX/XXXX with weird {$120.00}?? 
Please, help me to REMOVE Inaccurate {$120.00} from my Credit History on Experian Credit Report. 

Experian Inc.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Sincerely, XXXX XXXX
Product: Student loan

Navient is a loan service company, my school I attended has shut down, and I thought was loans would be discharged, why some of my classmates have had there 's discharged, because the school was giving out false information we where not nationally accredited, so I trying to get this resolved and off my credit report.
Product: Vehicle loan or lease

ON XX/XX/XXXX my car was totaled in an accident. I have recently reached the conclusion with the insurance company and they have informed me that they have mailed a check to the loan service company XXXX XXXX XXXX. 

Well called this morning after attempting to access my account online to view the account for payments received ( I wanted to know if they have processed the payment sent by the insurance company, {$11000.00} ). The account this morning said I owed {$800.00} + dollars this would include the may payment and the XXXX I usually pay every two weeks. 

I then attempt to login again this evening I still am not allowed to log into the account online. I then try to make a onetime payment through XXXX XXXX of the remaining {$260.00} and was blocked. I then call the company select the choice to speak to a representative to determine what is going on with my account only to get a response that says, " It says that you all are unable to accept my call at this time? '' Their website clearly says that the call center is open until XXXX XXXX   EST, I called them at XXXX XXXX. 

I am just trying to make the next payment of {$260.00} that I pay every 2 weeks and to make sure they have received the check from the insurance company of {$11000.00}. The payment is not 30 days late until XX/XX/XXXX and I would like to pay what is remaining {$260.00}. 

PLEASE ASSIST ME IN CONTACTING XXXX XXXX XXXX, As I feel they will attempt to destroy my credit over some bogus charges that I can not even pay.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I took out an advance for XXXX. Also, a XXXX XXXX account for XXXX per month and paid a subscription fee for their service. Immediately upon getting the first advance I paid it off, I then too out a second that I never received. I complained several times via email and provided proof but they are adamant Inowe them money. I cancelled my XXXX XXXX product with them because I do not trust them and now am going to end up having a {$600.00} closed loan on my report. Also, I cancelled my subscription for XXXX a month which just got taken out abd they ae now going to charge me a second time on XX/XX/XXXX along with their plan to charge me {$50.00} on XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter as a final follow-up to address unresolved inaccuracies on my credit report, which persist despite multiple previous disputes. I want to highlight, with absolute certainty, that I am not part of any data breach, nor have I authorized the furnishing or exposure of my private and sensitive information to third parties. 

It is deeply troubling that, despite XXXX conducting a thorough investigation and successfully removing the negative items in question, both XXXX and Experian continue to report these inaccurate and unverifiable accounts. The discrepancies between your reporting and XXXX findings further demonstrate a lack of diligence and compliance with the Fair Credit Reporting Act ( FCRA ).
Product: Checking or savings account

I have Fifth Third checking and savings accounts and also a safe deposit box. I use Fifth Third 's Bill Pay Service regularly. One of my accounts registered within bill pay is XXXXXXXX XXXX. 

I scheduled a {$2000.00} payment to be made to XXXXXXXX XXXXk through Fifth Third 's Bill Pay product. Instead of Fifth Third sending the {$2000.00} payment to XXXX XXXX, they sent the payment to XXXX XXXX. I do not have XXXXXXXX XXXX  listed on my bill pay service through Fifth Third. I don't know where they got the info to send the payment to XXXXXXXX XXXX 

When I saw on my account that a {$2000.00} payment had been sent to XXXX XXXX I called Fifth Third and asked them to make the correction as this was their error. They said there was nothing they could do and I had to call XXXXXXXX XXXX  and figure it out on my own. This error was clearly the fault of Fifth Third and they should have rectified their error. They refused to do so. 

I just spent the last hour on the phone with XXXX XXXX to attempt to get the {$2000.00} payment mailed back to me. They explained the misapplied payment has to go back to Fifth Third electronically and then to my account the same way it came out. 

I do not trust Fifth Third to redeposit the {$2000.00} back to my account when they receive it from XXXX XXXX. Please conduct an in-depth audit on how Fifth Third does business, how this horrendous error could have occurred, and why they require the consumer to rectify their errors. {$2000.00} might not be a lot of money to some people but it is to me. 

Fine Fifth Third substantially if you can, and require them to rectify their own errors instead of having the consumer take off work to fix Fifth Third 's mistakes. In addition, please require them to immediately redeposit the {$2000.00} back into my account. 

Thank you
Product: Debt collection

I my auto pay had a problem and did not make the payment. I tried to contact but I could not get in contact with someone to help me. One I did it went to collections and no one wanted to work with me.
Product: Credit card or prepaid card

Notified by Capital One of restriction ( no purchase authority ) on our XXXX XXXX credit card account effective XXXX XXXX, XXXX with closing in 90 days, due to lack of activity over the last XXXX years. Letter received early XXXX, XXXX, with no prior notice of intent to close account. However, the current cards in our possession do not expire until XXXX, which we intended to use during this upcoming XXXX season. Call to Customer Care on XXXX/XXXX/XXXX was unsatisfactory wherein the first agent merely repeated what 's in the letter. No option to unrestrict or reopen account once closed. She suggested to my husband he could apply for another account if desired -- which makes no sense. Why apply for a new account if the existing one can be left open? Perhaps it is Capital One 's intent to close " no annual fee '' accounts or to push people to new accounts with new terms and maybe ones with fees? 

Because this is an old account ( 20 years? ) in our credit history, closing the account negatively affects our credit score because it takes a long established account out of the mix.. We are seniors and it is an account that has been used regularly in earlier years, but less so in recent years ; however it was our intent to use again this month for the upcoming holidays. Also spoke with a supervisor ( XXXX, XXXX ) after getting nowhere with the first agent. XXXX came on the line, indicating he had been briefed by the first agent. He repeated the same mantra -- there is no flexibility to keep from closing the account. I asked for rationale for closing an account that the customer wanted to keep, that was not in arrears, with an excellent payment history, and would use in the near future. He explained it as the right of the company to make a business decision to close out unused accounts. Even though we intend to use the account and did not wish it closed, he said they would still close it. It did n't matter what the customer wanted nor is there any other option to seek an exception to this rule. I thought he was a bit assertive and showed no empathy. With another credit card account with Capital One and bank accounts with CXXXX XXXX XXXX, I am shocked with this treatment of a long standing customer. 

I would not complain if there were official prior notice of inactivity that may result in account closure and consumers are given a reasonable time ( eg 60 days ) to demonstrate use or lack of use. Plus our current cards clearly state the expiration is XXXX. Why would I think the account would be unilaterally closed with no prior notice? Keep in mind, our account is not yet CLOSED. They have restricted the account such that no purchase activity can be made, and giving us 90 days to use the program benefit points associated with the card, but it will be closed in 90 days. To receive a letter after the fact with no options, is XXXX treatment of consumers.
Product: Debt collection

Pinnacle Credit Services LLC has reaged the debt to XX/XX/XXXX. The original debt with XXXX XXXX became delinquent approximately XX/XX/XXXX. there has been no payments made or any effort to reaffirm the debt. It has been more than seven years since the first delinquency and should not appear on my credit report.
Product: Debt collection

I was called at my workplace and my cell phone numerous times by National Recovery Solutions. They told me I co signed on this private student loan that was now in default because the primary person who took the loan did not pay. They told me this would negatively affect my credit because I was the co signer. They offered a settlement which I could not pay. We agreed to {$50.00} bi weekly ( $ 100 monthly ) to pay down this amount owed which I have been paying since XX/XX/XXXX. 
On XX/XX/XXXX I asked for verification on how much I have since paid and how much was left on the balance. On the XX/XX/XXXX, I asked them to send me proof I was the co signer which I do not believe at this point I am. The woman on the phone agreed to send. I then called back asking to cancel the ACH payments in the meantime until I had received the proof I was the co signer. They then told me I could not get the proof I was the co signer if I cancelled the payments. 
I would like either proof I am the co signer on this account or the {$2600.00} back that I have paid on this debt that was not mine due to the misrepresentation of this debt collector agency. 

I am attaching the letter sent to me that shows the original consumer 's name and not mine.
Product: Credit reporting

I have disputed two accounts with Equifax which show on my report as still being investigated. It has been far past the 30-45 day investigation period. I have sent two letters via XXXX Certified Mail with Return Receipt and have had no response. The accounts in question below should have been deleted from my report. 

They are now in violation and are continuing to report incorrect information. The accounts in dispute are below. 

XXXX ACCOUNT # XXXX AND XXXX ACCOUNT # XXXX
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with the original signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB WRITE-UP In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States | have the right to privacy.

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

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

Our mortgage was sold to Suntrust Mortgage. WE have had nothing but trouble with this company since the sale of the mortgage. First the company did not pay our home owners insurance and we had to call to get that fixed, then they did not pay our property tax, that required another call and being transferred from department to department to get that problem fixed. These problems are not even what my complaint is about. When I called to see what was going on with the nonpayment of my home owners and taxes, I told the person I spoke to that I was on XXXX and would only be able to make my payments around the third week of the month when I get a check. I tried to get them to waive the late fees because of this situation but they could not accommodate me. Sorry for being so long but this is my real complaint, from the first of the month to the time I make my payment I get harassing phone calls, from early am XXXX or so to evening close to XXXX. I spoke to a person from the bank about this but nothing was done. This has been going on for months. Is there anything that can be done about these calls. 
Thank You
Product: Debt collection

This debt was sent to the XXXX XXXX XXXX XXXX XXXX AND WAS PAID. I do not owe this debt. I moved out of this complex prior to this debt being owed, they rented this property out therfore I do not owe a thing.
Product: Mortgage

On XX/XX/XXXX this year I closed on a home in XXXX, MI, with CrossCountry Mortgage Inc. as my mortgage provider. During the closing process, CrossCountry Mortgage Inc. failed to accurately disclose my closing costs, omitting some {$8000.00} for summer taxes ( my mortgage includes an escrow account with a monthly payment toward property taxes and homeowner 's insurance ).

I was assured by CrossCountry Mortgage Inc. that all necessary costs were included at closing and that I would have a fixed monthly payment moving forward. I based my future monthly expenditures on that assurance, trusting that CrossCountry Mortgage Inc. had correctly calculated my closing costs and future monthly payments.

CrossCountry Mortgage Inc. then sold my mortgage to XXXX Bank. In XXXX, XXXX informed me there was a shortfall on my escrow account of around {$7500.00}, as the bank had paid the summer taxes, which should have been included in my closing costs. 

I approached CrossCountry Mortgage Inc. and the title company involved, XXXX XXXX XXXX ( based in XXXX XXXX, Michigan ) about this issue. XXXX XXXX XXXX responded by admitting there had been an error, saying that my closing costs should have included {$8000.00} in summer property taxes and that amount should have been disclosed to me. 

XXXX XXXX XXXX admitted their part in the error, adding that it was the responsibility of CrossCountry Mortgage Inc. to correctly calculate how much money I owed in closing costs. For their part in the error, XXXX XXXX XXXX refunded me the fee of {$570.00} that I paid them at closing. 

CrossCountry Mortgage Inc. has yet to acknowledge error in this matter. But it is quite clear that if it is the mortgage provider 's responsibility to accurately calculate my closing costs, they failed to do so. This is gross negligence on their part. I am now due to pay XXXX an unexpected amount of {$7500.00} because of CrossCountry Mortgage Inc. 's gross negligence in this matter.

Again, I planned my own expenditures based on faith in CrossCountry Mortgage Inc. 's ability to do the job it is licensed and regulated at the state and federal level to do. I am attaching emails from XXXX XXXX XXXX, with representatives of CrossCountry Mortgage Inc. copied, addressing this matter.
Product: Checking or savings account

Wells Fargo complaint Spoke to XXXX who transferred me to XXXX in the complaint dept Issue Requested {$1200.00} to move from WF to XXXX XXXX on XX/XX/XXXX The money left WF on the XXXXXXXX XXXX XXXXXXXX and was not received by XXXX XXXXXXXX until the XXXX XXXX XXXXXXXX I decided to test money movement the other way. On XX/XX/XXXX I asked to transfer {$100.00} to WF from XXXX XXXX and it was posted into WF in one day on XX/XX/XXXX In speaking to XXXX I told her that I wanted to find out which government agency I could report this to as it appears at though WF is using my money. 

Also Wells Fargo requests that their credit card payment to the Active Cash WF card be in four days before the account closes. The money is going from Wells Fargo to Wells Fargo and on the bill pay web site it says same day transfer. Again they are using my funds.

Why does the money take one day going in to my account and 6 days to post to another bank. They should be sending bank to bank electronically. 
CASE NUMBER XXXX XXXX She told me that I would receive a call within 10 days
Product: Student loan

I am on an in-school deferment currently, with a portfolio of unsubsidized loans, and I called my loan servicer Nelnet recently to make a payment on my interest, intending to pay that on a monthly basis in order to offset the amount that will be capitalized at the end of my deferral. The guy I talked to was adamant that it would be a waste of my money to pay the interest because he said the moment before it capitalizes when I finish school and end the in-school deferment, the federal government will pay that interest amount. I told him I have an unsubsidized loan, and he said it didn't matter, that the interest accrued while I'm in school would get paid, in the servicer 's words, " just before it capitalizes. '' It is my understanding that the interest on subsidized loans will be paid by XXXX, but not that on unsubsidized loans. He is either ignorant of that, or intentionally misleading me. I think it is also important to state that this individual was extremely rude and patronizing throughout our conversation, and simply refused to be helpful.
Product: Debt collection

I switched my cell phone account from business to personal. After the switched XXXX never charged my account on file to charged me for the last business bill. XXXX XXXX sent me a bill but at the same time sent the account to collections. This company called me to let me know about that and I told then what happened and also told then the bill was being paid. they started cursing at me and didnt care about it. Even though the bill was already paid. I disputed it online and they didnt remove the collection. {$55.00} collection that I supposedly owe them. I have never had an issue with XXXX until this since my account t is on auto pay.