23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received a letter throug h Magistrate Court  on  XXXX   XXXX ,  2017 , that my ac count with Discover had been turned over to an attorney for collection. I asked my mother to call Discover and see what was going on and request a copy of my last statement of charges, since I am not able to use my phone during work hours. She was told that I had to call them to give permission for my mother to speak with Discover about my account. I had to call twice and gave my permission bec ause when my mother called to speak on my behalf the first time they said they did n't show where I had called. After being transferred several times, my mother spoke with a representative that said since my account had been turned over to an attorney for debt collection that they ( attorney ) would have to request a copy of the last statement. My mother called the attorney 's office on  XXXX   XXXX ,    2017  and had to leave a voicemail with their representative assigned to my case. He did n't call back until  XXXX   XXXX ,  2017 . On  XXXX   XXXX ,  2017 , my mother told the attorney 's representative that we are asking him to request a copy of the last statement fr om Discover. He reluctantly said it might take a little time to get from Discover. A s of today,  XXXX   XXXX ,  2017 , I have received nothing! They are dragging this situation out so they can tack on more penalties and interest! My mother called attorney 's office again today and had to leave voicemail again. The she call ed Discover again to request a copy of last statement again, but was told that I had to give my permission fo r them to speak to her. I called and gave them my permission t wice ( again ) and was put on hold and then told I would have to give my mother power of attorney befo re they could speak with her. I told them I did n't have time for all of this run around since I was at work on my lunch hour trying to handle this. I AM TRY ING TO PAY THIS DEBT OFF but keep getting the run around with Discover. I left out names of representatives that I spoke with, ( but I have them documented ). I just want a copy of my last statement to verify the charges that Discover says I owe..I do n't thi nk they would just pay for something without knowing what they were paying for!!
Product: Debt collection

This account is reporting a un-validated debt a debt validation letter was sent to company no response. Per FDCPA this is inaccurate and must be removed from my consumer report. They are purposely reporting a debt they are unable to validate that this is my account and are impacting my credit score adversely. This kind of violation can lead to a penalty of up to 1000 per violation and damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account. There are XXXX alleged collection accounts on my credit reports, XXXX, XXXX, and XXXX from the same debtor form XXXX different mounts owed. I am unaware of either debt and want to dispute these collection accounts. I contacted both the debt collectors and all XXXX  credit bureaus and have not gotten a response from no one. I also sent in another dispute today as a result of not hearing back the first time. I am now escalating the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that my SSN was used at a location that was not my address to file for a credit card. I was unable to dispute the charge on Experians website. Before I could call it logged me out.
Product: Credit card or prepaid card

On XX/XX/XXXX we paid USAA credit card off with total amount of XXXX MY wife then asked about a few charges that where Made in XXXX and XXXX of XXXX In XXXX we received a refund Check for I think XXXX dollars Then in XXXX we received a bill from USAA for XXXX. I called and spoke to a representative from USAA And was told that they would take care of it.I Received several bills after that with late payments and over due charges I continued to call and finally got frustrated and closed all accounts I have even received a bill from them that post all charges on one day these repeat charges were all paid for back in XX/XX/XXXX. I have received ( 2 ) new cards from USAA but have never activated them. As of to date they have ( 3 ) cards listed on account ending in XXXX, and XXXX. The XX/XX/XXXX bill lists 22 charges totaling XXXX dollars all having transaction dates of XX/XX/XXXX and post date of XX/XX/XXXX At this point I am not sure which card is which. Every time I would call to fix this problem you would get someone new and would have to start all over again and then no one would get back to me. When they did call is was some one trying to collect payment and when I would go thru the spill again I was told not to pay till someone returned my call.
Product: Mortgage

We had a 30 year home mortgage with Mr. Cooper, loan number XXXX. After never missing a payment for 30 years we mailed what I thought was our final payment {$1600.00} on XX/XX/20 ( see attached ). Mr. Cooper told us there as still owed {$520.00} which I paid on XX/XX/20 ( attached ). This payment was never applied. I sent another {$250.00} per Mr. Cooper 's request on XX/XX/20 but somewhere in there our payment was deemed late and it has now adversely affected my credit ( see attached ). I am asking that Mr. Cooper immediately contact the credit reporting bureaus to show this issue as resolved so that my credit will be restored.
Product: Credit reporting

There are XXXX listings for XXXX XXXX on my credit report like for a finance on a car, however, I paid CASH for my car so there should not be a hard inquiry any longer on my credit score.
Product: Mortgage

The XX/XX/XXXX statement showed that our mortgage company has setup an escrow account without any warning! 

We are still trying to correct our mortgage statement since. The last correct statement was on XX/XX/XXXX. 

After calling them and asking about it on XX/XX/XXXX ( talked with rep. XXXX ). They said that correcting error should be done by the XXXX by the escrow department. 

XX/XX/XXXX - We called customer service again. The rep. said that we need to send in proof of insurance " again '', and that we pay own property taxes. Would open a case. 

We received a check in our mail from NewRez to reimburse the escrow ( {$750.00} posted on XX/XX/XXXX ) apparently in error. 

We returned ( paid ) it back to NewRez ( {$750.00} posted on XX/XX/XXXX ) Negligence or deliberate effort to purchase a home insurance and require an escrow account? 

We need a human intervention to reconcile our statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXX Balance : {$2100.00} ; XXXX XXXX Balance : {$670.00} ; XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Checking or savings account

My husband and I opened an online savings account on XX/XX/2020. I promptly downloaded the app to use the account online. 

We went through the process of linking my other external bank account to the Marcus account and transferred {$100.00} into the account.

We then transferred {$1000.00} into the Marcus account from our currency exchange account from the sale of our home in the XXXX. 

Then I transferred {$100.00} back to my external checking account and all was fine.

We then transferred {$16000.00} into the account from our exchange account. The next time I logged into my online app, it said my account was locked.

I called their help line and was transferred to three different agents
who eventually stated they would send an affidavit for me to verify my identity because I couldn't pass a credit history based questionnaire.

After 3 weeks, the affidavit did not arrive and I called them again. It was sent to a street address but it needs to go to a po box . After some struggle, they agreed to resend it to the PO box . It's now been 3 weeks again, and it had not arrived. Trying to communicate with them is very difficult due to the agents not speaking English and always needing to put me in hold to ask someone else for advice on how to proceed.
They refuse to return my money, give me an explanation of why it was locked in the first place, or provide timely, meaningful help to resolve this in a professional, safe and expeditious manner. This is unacceptable when dealing with someone's life savings.
Product: Credit reporting

Received a letter from Experian stating that a changed has been made to my account. They provided XXXX phone numbers to which I called. The recorded message said there has been a changed to my information and if I did not make those changes stay on the line to obtain a credit report. I called several times and held for for a total of fifteen minutes only to be hung up on. 

Experian has a habit of not allowing the consumer access by phone and if you ( the caller ) do n't respond to the prompts ( even if the prompts do n't apply to your situation they hang up the call. It 's there tactic of avoiding the customer/consumer. Experian are not accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that XXXX XXXXXXXX XXXX made a hard inquiry on my credit report on XX/XX/23. I did not authorize this inquiry, or apply for any sort of loan, mortgage, or credit card.
Product: Debt collection

National Commercial Services continues to request payment for a debt that is not owed. They had previously closed the account and sent it back to XXXX XXXX XXXX but have opened it again because XXXX falsely claims that we were willing to pay the XXXX deductible they are trying to collect for damage to one of their vehicles. I have never agreed to pay this deductible. When the account was closed by XXXX in XXXX of 2023 I was told by XXXX that the issue was resolved. 

We do not dispute the accident. At the time of the accident we notified the police and insurance info was exchanged. Multiple mistakes were made by XXXX in their attempt to pursue this claim. Including but not limited to- false identification of the drivers involved in the accident, a lengthy delay in reporting the claim, false statements by multiple representatives from XXXX that the issue was resolved.
Product: Debt collection

Hi! So I recently got scammed by a what I feel is a fake collection agency trying to get money on an old debt ( Kay Jewelers ) ( 5 years ago ) that shows on my credit report as charged off bad debt The company that contacted me is XXXX XXXX XXXX. There is no website for them. The address on their letterhead which only came by email comes up as a XXXX XXXX - # # # so Im guessing a PO Box and their phone voicemail is hi please leave a message after the tone with your reference # nothing mentioning their name or anything. I had a really bad feeling so i cancelled my card and filed a possible fraud report. After they already took {$300.00} from me. They threatened me on the initial call that I had 24 hours to set up automatic payments or they were going to serve me papers at my home or place of employment and that I had to promise to have the money in there because if not it would make him look bad. They have been calling me daily since the missed payment this past Friday. A friend of mine who works in collections for a different department said it comes up as a fake company and on my bank account shows XXXX   which also comes up as false. No finding them online either.
Product: Mortgage

I applied for a convention mortgage for a purchase with quicken/rocket mortgage in late XXXX. When a closing date was set for XX/XX/XXXX I requested to see my closing disclosure on Friday XX/XX/XXXX. I had not seen an updated Loan estimate since application. When I contacted the closing specialist I was provided with a snap shot of the loan details. Such as loan amount interest rate and first payment date. I also have a screen shot of what information there was. However I had specifically requested to see my closing disclosure so I could see exactly what the fees where. I was then advised I would see that at closing. I quickly protested that I wanted to see my closing disclosure which I should be provided 3 days before closing. After several phone calls, I was sent the closing packet that included my CD. My CD was incorrect as I did not want escrow which I had communicated before we ever went to a closing team. I told my closing specialist she would have to check on that. I never heard back until XX/XX/XXXX. In which I was told the wire had been sent and it couldnt be changed. I believe this was a ploy to pressure me in to closing. However, I said that my loan documents were not right and I wouldnt sign incorrect documents. At that point I was told they would recall the wire and work on removing the escrow. As of today XX/XX/XXXX I have not heard anything from the closing specialist. When I log in to my account it shows my loan has closed and that I owe them a payment as of XX/XX/XXXX. I have also received a XXXX for a loan I do not have. As of today XX/XX/XXXX I have been on the phone with the company for over two hours with no help or resolve. I am extremely upset over their customer service as well as their poor transparency in making sure I see necessary documents such as the loan estimate and closing disclosure. Not to mention the loan that I am showing due for that I didnt take.
Product: Credit reporting or other personal consumer reports

Capital One has violated my rights under the Fair Credit Reporting Act. 

15 USC 1681 Section 602 - I have the right to privacy. 15 USC 1681 Section 604 A Section 2 - 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 any purpose.
Product: Checking or savings account

Truist will not allow me to open a banking account with them. In the past, Truist overdrew my account and shot it down. When I try to open a business account they denied me. They discriminate against me due to past banking history.
Product: Credit card

This account was closed in XXXX XXXX. Recently, in XXXX XXXX, I received a bill, which stated that I owe {$120.00}. I have enclosed copies of the billing statements from XXXX XXXX, through XXXX XXXX. 

As you can see, prior to the closing of my account, the bill was always paid in full. It was in XXXX, and according to the information I received from Barclay 's, my account was closed effective XXXX XXXX, XXXX, after payment in full of the {$130.00}, which resulted in a zero balance on the account. 

Thereafter, in XXXX XXXX, after the account had been closed for a month, I received a statement, which had an automatic charge XXXX. 

First, I had cancelled my membership with XXXX, effective, XXXX XXXX, XXXX. 

Second, and more importantly, the credit card account had been closed on XXXX XXXX, XXXX, so the card should not have gone through for a XXXX XXXX charge. 

Therefore, the charge from XXXX for XXXX XXXX was disputed. When I contacted Barclay 's in XXXX XXXX, after receipt of the XXXX XXXX statement, regarding the disputed charge, I was told it would be looked into. For the next six XXXX months I checked the statements, which were received from Barclays. For each of the statement from XXXX XXXX, to XXXX XXXX, the " Minimum Payment Due '' was stated as " None ''. 

Thereafter from XXXX XXXX, through XXXX XXXX, a full three ( 3 ) years after the credit card had been canceled and the account closed, effective XXXX XXXX, XXXX, the " Minimum Payment Due '' was stated as " None ''. 

Now, over three years after the disputed charge was first brought to the attention of Barclays and over three years of receiving statements, which had " Minimum Payment Due '' was stated as " None '', there is a request for payment of {$120.00}, which includes service charges.
Product: Consumer Loan

I bought a vehicle in XXXX and have been paying on it since XXXX XXXX. The finance company has charged me a one year forced insurance policy TWICE, and refuses to send me any thing in writing telling me what I am paying, such as totals, premiums, cost. They have raised my car payment from the original amount of $ XXXX month to $ XXXX month. I was paying {$670.00} since XXXX XXXX for supposed forced insurance. I was never given anything in writing and have no idea what the total amount I am supposed to be is, or what it is for exactly. When I asked them for proof of the insurance they are forcing me to pay, they said do n't have to give it to me because it is just to insure the vehicle. I have spoken to a home office person, a branch person and neither will send me a statement of pay off, or anything breaking down how much I owe. They will only give me a total payoff of the vehicle over the phone. The vehicle has now been repossessed because I refused to pay the higher payment. I even offered to pay XXXX of the original payments and they refused saying that payment " is gone now ''. The pay off amount they do tell me is several thousands of dollars higher than what my original contract amount was. ( 2.5 years ago )
Product: Credit reporting or other personal consumer reports

I looked at my report on XXXX XXXX, XXXX  and noticed some things are incomplete and inaccurate and according to Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report is shall follow reasonable procedures to ensure maximum possible accuracy about the information concerning the individual about whom the report relates. These accounts are not complete and accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX } Open date is not accurate, reporting date is not accurate, date of last payment is not accurate. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX } XXXX date is not accurate, reporting date is not accurate, balance is not accurate. 


XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX } XXXX date is not accurate, reporting date is not accurate. 

XXXX XXXX  - Account # XXXX XXXX XXXX XXXX } XXXX date is not accurate, reporting date is not accurate, date of last payment is not accurate and balance is not accurate.
Product: Credit reporting or other personal consumer reports

Just received my credit report on XXXX XXXX  and seen unauthorized hard inquiries I would please liked them removed ASAP
Product: Mortgage

Case XXXX ( re : CMG loan XXXX ) closed because the company provided an explanation. However, they still have not explained why interest continued to be calculated during the period of covid relief. The junior lien paid to HUD and the payoff to CMG was over XXXX, {$12000.00} more than my original loan. I had XXXX late payments and was assured that using the covid relief would not harm me in any way when I agreed to the program. Here is an excerpt of the company 's response to my original claim : " The first payment was for {$8000.00}, this covered XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX installments. 
x The second payment was for {$6900.00}, this covered XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX installments. 
x The third payment was for {$2700.00}, this covered XX/XX/XXXX and XX/XX/XXXX installments. In addition, there was a contractual payment in the amount of {$1300.00} in the non-interest bearing ( suspense account ) that applied for the XX/XX/XXXX installment. On XX/XX/XXXX, the principal balance was {$170000.00}. '' Please reopen my complaint and insist upon a full explanation of their interest accrual process - my original loan was for XXXX ( Loan No. : XXXX Original Loan Date : XXXX Original Loan Amount : {$180000.00} Loan Type : FHA FHA/VA/MI No XXXX : XXXX Investor No. XXXX XXXX XXXX ) but my payoff when we sold the home, was XXXX to CMG and XXXX to HUD XXXX over XXXX! They could not have followed the correct terms for interest accrual if in fact, they were truthful when they offered the covid relief program. 
Thank you so much for your assistance.
Product: Vehicle loan or lease

I pay late each month so a late fee is applied. I have paid mid month every month and included the late fee in my payment. The company is applying the extra I send for fees to principal. I have requested to have the payments reversed and applied correctly. The company states that unless I pay on time they will not apply my extra funds to the fees. I have never paid outside of the month due so there is no need to hold the funds to pay the payments/principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint and seek assistance regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Unfortunately, I have not received a response from them to date. As a concerned consumer, I firmly believe that Equifax has an obligation to comply with federal laws and regulations, including the Fair Credit Reporting Act ( FCRA ). 

The inaccurate information on my credit report involves the following accounts : 1. Account Type : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00}. This account does not belong to me, and I kindly request that it be promptly removed from my credit report. 

Account Type : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Your reporting of this account contains inaccuracies. The reported balance of {$2000.00} is incorrect, as I believe it should be a lower amount. Furthermore, the Past Due amount should not be presented, as this account is closed and charged-off. I request that you mark this account as disputed while I resolve the matter with the creditor. Additionally, I kindly ask you to verify the accuracy of the Date Opened, Date of Status, and First Reported for this account.
Product: Debt collection

-1- am XXXX XXXX and live on soveirgn land -2- XXXX closed account and then sold to XXXX XXXX, inc. as did XXXX XXXX XXXX -3- living on XXXX, XXXX took me to court in XXXX county, my XXXX is in XXXX county but not legal to take me to court there.as we do not adhere to judgements and such. 
-4- talked to an attorney here on my XXXX, whom I did not hire but is at my disposal if needed. 
-5- contacted my boss at my job and send info to him to try to collect this debt<XXXX> my boss refused to give any information. 
-6- would like these debts to be removed
Product: Debt collection

I have a collection account, and they keep taking it off and putting back on my credit affecting my score in the middle of a pandemic demanding payment and saying I didnt communicate with them and refuse to fix the issue.
Product: Credit reporting or other personal consumer reports

I have made numerous attempts to dispute this account, but unfortunately, I have not been successful. I have provided police and ftc reports as evidence of my identity theft, and I have also disputed the account on the grounds that the creditor has unlawfully altered the report. I kindly request that you remove this account from my credit report.