23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have two accounts that are showing as being collected by Portfolio Recovery Associates- one from XXXXXXXX XXXX XXXX XXXX and one from XXXX XXXX. 

I have advised representatives from all three organizations that this debt was a result of identity theft or is in some other way not my debt. XXXX XXXX XXXXXXXX XXXX  account that I have is still on my credit report with the original creditor and is being paid as agreed ( though closed, it is in a payment plan ). The XXXX account, I have never seen before at all ; I have XXXX accounts on my credit report, but all are paid in full or closed with a {$0.00} balance. 

Neither of these accounts belong to me and the address listed on the accounts are an address I have not been at for a minimum of five years.
Product: Debt collection

I received information through a title search and from the closing attorney that I had a judgement and a personal property lien against me on XX/XX/XXXX in the amount of XXXX. The judgement and lien were  placed by a debt collection company, XXXX XXXX XXXX. After numerous attempts to reach them by phone and ask questions via their website, they refused to identify the original creditor on this debt, the amount owed as of the last transaction or provide any proof that could substantiate the debt. The address they had on the judgement was an address that I have not lived at in over 13 years. The original judgement was obtained in XXXX County State Court in XXXX and renewed with a property lien in XXXX when I inherited a 10 % share in my grandmother 's property. In order to close on the sale of this property my aunt had to pay them off. They refused to take her call and also refused to take her payment over the phone as they say they will on their website. We ended up paying electronically by check and have not received either a reply confirming the debt is settled and the lien is being lifted. This company has essentially held 6 heirs hostage to rightfully claiming the proceeds from their mother 's estate because XXXX XXXX XXXX didn't care enough about this tiny debt to respond in a timely and conscientious manner.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$210.00} XXXX XXXX Balance XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I NOTICED A FRAUD ACCOUNT LISTED ON MY CREDIT FILE. DUE TO THE EQUIFAX DATA BREACH
Product: Vehicle loan or lease

I have nearly paid off my loan with Hyundai motor finance. A few weeks ago, I went through my dealership to cancel the Hyundai protection plan maintenance wrap and get what I spent refunded ( meaning my loan will be reduced by {$2100.00}. I followed up with the dealership and messaged HMF and Ive heard nothing back.
Product: Debt collection

Continually receive calls to my work at a desk number I no longer sit at. No messages left but if someone answers they are told something about serving a summons. I have never received paperwork from this company. Company is located in FL but is spoofing and using a local number
Product: Debt collection

These people have called and texted me for years and Ive advised them that they have the wrong number repeatedly. Last time I called ( today ) they said they have no record of me reporting a wrong number to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my last complaint, I disputed some items that are erroneous and do not belong to me whatsoever. Please block the items that are erroneous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX  The addresses stated above are not my current address The accounts above are inaccurate and fraudulent. Im seeking Litigation. 
The inquiry is unauthorized and fraudulent. 
Please delete them at once.
Product: Credit reporting or other personal consumer reports

The files that are attached below is a dispute letter to Experian, Two forms of identification & my report. I am asking that a human and not a robot to please evaluate my case please. The following accounts and inquires listed on there is fraudulent. Ive never open any accounts or gave authority to anyone to open any accounts in my name. At this time I am still not aware of who stole my identity yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I was told account would be deleted from report as it is paid and it not closed with a balance. 

Account is NOT deleted from report and is still showing a balance. 

Company was suppose to send email and letter showing they deleted account and they never did nor did they show account paid.
Product: Debt collection

Constantly calls my employer on a critical cell phone line used only for XXXX, even after they were told my employer does not accept calls like this. They still keep calling and will not stop when told not to call my employer. 

The cell number they call is for critical situations only for XXXX.
Product: Checking or savings account

Not letting me withdraw my own money from account on Sunday XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I experienced hardship due to the government shut down that had taken place. I called into XXXX XXXX and spoke with a Representative who advised he was not able to assist me. When logging in to make my monthly payment the option for a payment arrangement was offered. At NO point did it mention by signing up with this payment plan I would be reported late to the credit bureaus. I received Multiple 30 day lateness on my credit report. For the month of XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I have concern in regards to accounts that are being reported in my credit report. I actually got my credit report from XXXX, XXXX and TransUnion but accounts from DEPTEDXXXX with account number of XXXX are being reported late XXXX days but based on my report these should be not reported as XXXX days late hence removal is a must.
Product: Mortgage

1. I was granted a loan modification from Wells Fargo in the Spring of 2018 2. When I had questions about the final modification papers, Wells Fargo did not respond to all my questions. 

3. On XX/XX/2018 at XXXX I called XXXX XXXX XXXX at ( XXXX ) XXXX FHA Case # XXXX XXXX XXXX As Wells Fargo has not called me back yet about my questions and signing is set for XXXX today. They promised to call back and have not. 
I talked to FHA/HUD a girl named XXXX about the lack of response from WF on the issues I have questions on. 
She will try to find a representative to talk to but they usually need a few business days to process requests. 

at XXXX XXXX called from Wells Fargo during the above call. and this is the exact words in a legally recorded phone call XXXX : ... ..Those documents are now expired so theyre not essentially valid documents ... 
XXXX : So dont sign the documents with the notary because they are out of date? 
XXXX : Correct, Theyre expired so they would be invalid. There would be no purpose to signing those particular documents He said he will get back to me shortly with what they will do.
Product: Checking or savings account

On XX/XX/year>, Barclays Bank Delaware ( USA ) restricted access to my savings account after I transferred {$4500.00} to my other external account. As a result, I am unable to log in online or access my remaining balance. When I attempt to log in, an error message appears, directing me to call customer service. 

I spoke with a representative who confirmed that my account had been restricted due to the external transfer and the external account was deleted after transfer. This is despite the fact that Barclays had already verified the legitimacy of the external account through two trial deposits. They are requesting additional documents to prove that I own the external account. During my call with the representative, I confirmed that I am indeed the owner of the external account. I stated that I did not delete that external account as I need that account linked. The rep stated that they could not have deleted it as only the owner can. I reinstated that I did not delete the external account, and it must have been someone with their company that deleted it. 
They expect me to jump through hoops, gathering and emailing them documents, instead of providing a more straightforward and convenient way to verify that I own the other account, such as calling the other bank to verify my ownership. They still have not removed the restriction on my account. 
I should have access to my own money regardless of the situation. This restriction does not make sense. If they suspected fraud, they should have blocked the outgoing transfer in the first place and call or text me to verify, not restrict me from accessing the account.
Product: Mortgage

XX/XX/XXXX Mortgage Bill raised from : {$920.00} to {$960.00} XX/XX/XXXX @ XXXX called Rushmore to inquire as to why they raised the mortgage payment. 
1. After being connected to a person allegedly named XXXX, I was placed on hold for an extremely long time. This person, calling themselves XXXX claimed to have computer problems. 
But first was asked an endless line of questions, to verify my identity. 
They couldnt access because of computer problems, so I was transferred to another person. 
After a long time on hold trying to get rid of me ). 

( XXXX - XXXX ) 2. The second person, allegedly named XXXX, had limited access to my mortgage information. But first asked a barrage of questions, again to verify my identity. 
They lied to me as to why the mortgage payment was raised ; saying taxes went up. 
The millage rate totals are XXXX for the year XXXX as well as XXXX. 
Ive been notified by insurance companies that the mortgage servicer ( Rushmore Loan Management Services ) has not paid for insurance policies. 

( XXXX - XXXX : 3. So I get transferred to a third person in the insurance department. This person went by the alleged name XXXX. She tried to quickly get rid of me too. 
I explained the changes in insurance policies, and it appeared that that they ( Rushmore ) had received all the paperwork from the insurance companies. But she couldnt give me an answer. She had Limited authority and capabilities. 
I kept getting placed on hold, while she stopped to ask someone ( her superior, that should of handled the call ), at every step of the way. 

I explained each insurance policy number, start date, & end date. 
But it is apparent that there isnt anyone there intelligent enough to comprehend a simple time line. 
My mortgage payment should of gone down instead of up. 

XXXX XXXX XXXX - XXXX Policy # : XXXX Policy Period : XX/XX/XXXX to XX/XX/XXXX Total Annual Premium : $ XXXX XXXX XXXX Policy Number : XXXX Policy Effective Date : XX/XX/XXXX to XX/XX/XXXX 12-Month Premium : $ XXXX XXXX XXXX   XXXX XXXX - XXXX Policy Number : xxxxxxxx Policy Start Date : XX/XX/XXXX - XX/XX/XXXX Policy Amount : $ XXXX Payment Terms : Mortgage - Pay in full XXXX  XXXX - XXXX Property ( xxxxxxxxxx ) BillingAccount ( xxxxxxxxxx ) Policy Number xxxxxxxxxxx Total length of call was 47 minutes & 37 seconds. 


Since my call to Rushmore Loan Management Services ; I have received 2 letters ( by anonymous people ) on XX/XX/XXXX ( dated XX/XX/XXXX ) XX/XX/XXXX ( dated XX/XX/XXXX ) Threatening to buy hazard insurance on the property because according to their records there is no insurance since XX/XX/XXXX. 
They want declaration pages with an effective date of XX/XX/XXXX. 

Despite all the above has been provide to them. Theyre just displaying either gross incompetence or malicious intent or a combination of both. 

Their ( Rushmore ) response to the phone call I made to them, on XX/XX/XXXX ; after navigating their hellacious phone menu, and time on hold. 
1. Was to increase my mortgage payment, without merit.

2. Threaten to charge me for hazard insurance on the property
Product: Credit card

I HAVE BEEN GETTING CHARGED FOR THIS DAVE INC MEMBERSHIP FOR OVER A YEAR. THEY CLOSED MY ACCOUNT CANCELLED IT WITHOUT NOTICE OR PROVIDING ANY INFORMATION TO ME BUT STILL CONTINUE TO BILL ME FOR THEIR MEMEBER SHIP FEE OF XXXX DOLLAR PER MONTH. I HAVE CALLED MY BANK TO GET THE STOP PAYMENT BUT THEY CANT BECAUSE THEY ADVISED THE WAY DAVE INC IS WITHDRAWING THE MONEY IS LIKE THEIR USING AN ATM AND ITS NOT REOCCURING MONTHLY MEMBERSHIP CHARGE. THIS COMPANY HAS BEEN DEFRAUDING ME FOR SEVERAL MONTHS. THEY CLOSED MY ACCOUNT WITHOUT ANY KNOWLEGE XX/XX/year> HOW DOES A COMPANY BLOCK YOU FROM ACCESSING AN ACCOUNT THAT YOU USED TO AVE WITH THEM BUT STILL CHARGE YOU. ITS FRAUDULENT.
Product: Debt collection

NCB Management Services XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Debt Request for Validation Account Number : XXXX To Whom It May Concern, This letter serves as a formal dispute of the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide full validation of this debt, including but not limited to the following : 1. Proof of Debt Validation : Provide a complete verification of the alleged debt, including the original contract bearing my signature, which legally binds me to this obligation. 
XXXX. Full Payment History : A detailed record of all payments made on this account, including dates, amounts, and methods of payment. 
XXXX. Ownership and Title Change Documentation : Documentation indicating any transfer or assignment of this debt, including the name and address of the original creditor and all subsequent owners of the debt. 
XXXX. Insurance Claim Inquiry : Confirmation of whether an insurance claim has been filed or paid by any party concerning this debt. If so, provide all related documentation.

5. Verification of Authority to Collect : Legal documentation proving that your agency has the right to collect this debt and is legally authorized to do so.

Under 15 U.S.C. 1692g, you are required to provide this information within 30 days of receiving this letter. Until proper validation is provided, I am requesting that all collection activities, including reporting this account to the credit bureaus, be immediately ceased. 
If you fail to provide sufficient validation, I expect this account to be removed from all credit reporting agencies and for no further collection attempts to be made. Be advised that any attempt to collect an unverified debt may constitute a violation of the FDCPA and other applicable consumer protection laws. 
Please respond in writing to the address listed above. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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 : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 an 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 seven 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: Credit reporting or other personal consumer reports

Re : Dispute of XXXXXXXX XXXX XXXX  XXXX. XXXX Dear [ Credit Bureau XXXX, I am writing to formally dispute the inaccurate reporting of late payments associated with my XXXX Mortgage account listed on my credit report. This account was in an active forbearance agreement, and as such, late payments should not have been reported during the forbearance period. 

Under the XXXX XXXX and related consumer protection laws, creditors and lenders are required to report accounts in forbearance as current if the borrower was current at the time the forbearance was initiated. Since my account was placed in forbearance during this time, any late payment notation is inaccurate and in violation of federal guidelines. 

The late payment notation on my credit report is misleading and is causing unnecessary harm to my credit profile. I am requesting that this inaccurate remark be promptly investigated and removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a thorough reinvestigation of disputed information, per Section 1681i ( a ). I am asking that you verify the reporting accuracy of this account with XXXX XXXX  and ensure compliance with all relevant laws. 

To assist with your investigation, I have attached copies of the following : XXXX. The forbearance agreement from XXXX XXXX  ( if available ). 
XXXX. A copy of my most recent credit report highlighting the disputed late payment. 

Please provide written confirmation of the results of your investigation within XXXX  days of receipt of this letter. If this late payment is not removed, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate agencies. 

Thank you for your prompt attention to this matter. You XXXX contact me at [ your phone number ] or [ your email address ] if additional information is needed. 

Sincerely, XXXX XXXX XXXX Let me know if XXXX like to customize this further.
Product: Credit card

On XX/XX/XXXX ; I contacted Discover card to inquire as to my balance due. I was informed that the balance due was well over {$2400.00}. I immediately checked my account activity and learned that there were multiple cash advances, {$500.00} each plus service charges. I contacted Discover, I informed them that I had not received any alerts regarding this activity, ( my alert was set at {$100.00} ). I closed the account and spoke with a representative who assured me that Discover Card 's Fraud policy was in full effect and I was not responsible for the charges. I had also paid an extra monthly fee, for the Wallet protection plan through Discover. The following day I received a call from XXXX, Fraud Protection, Discover. He said the I was responsible for the charges, he questioned me about my living situation, insinuating that another person had taken the card & etc. XXXX even wanted to know what I had purchased at XXXX! He then advised me to go to my local police department to report the fraud incident. Even though the cash advance transactions took place in California, XXXX said that my local police had to do the investigating, not Discover. The following week I was informed that my Discover email had been changed from XXXX to XXXX. This occurred after the first cash advance, yet no alert was triggered for my account. I also received affidavit/documents from Discover, which I promptly completed and returned. XXXX was confused as to why my completed forms were mailed to XXXX, not XXXX? I then received a duplicate set of documents which included a cover sheet asking for highly personal information, which Discover already has in their possession. I refused to complete this form and return it in the mail based on what had occurred. 

I do not understand why XXXX told me not to pay the charges I actually do owe. He said to only pay a fraction of the amount due. XXXX informed me that the balance should be paid later? 

Discover has failed me in every way possible. I have been a loyal customer since XXXX. I feel betrayed on so many levels. I am seriously considering contacting my friend at XXXX, to tell them how well Discover takes care of their customers. 
Below is your advertisement, what a joke! 
Your Security Is Our Top Priority 24/7 monitoring of every Discover card purchase for every customer {$0.00} Fraud Liability Guarantee, so you 're never responsible for unauthorized purchases on your Discover card Account alerts via email, phone or text if something looks unusual
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX,
Product: Payday loan, title loan, or personal loan

On XX/XX/23 I was approved for a loan for {$750.00} after I had to agree to download an app and allow a representative from quick wallet to confirm my banking. We did a screen share and I made sure to change my password after we finished to be sure they couldnt go back in. I thought it was odd but the app seemed legitimate. 

I signed my documents on the phone with the representative and was told I was approved and funds would be deposited by Monday XX/XX/23. I even received a txt message which I will attach. I was told I would get an email confirmation by eod that day Friday XX/XX/23. I never received a email and went to check online my info and it wanted me to sign another loan agreement for {$400.00} and not {$750.00}. I was confused as I just signed the one for {$750.00}. I called and they told me I had done everything right and I was approved for the {$750.00} and would see it Monday the XXXX. On Saturday the XXXX I received an email and txt from my bank that I had been blocked because of too many failed attempts to log in. 

I called them and a block had been put in my card, I got it removed and updated my login ID and password again because it worried me that someone had tried to access it. I was not the one who attempted and locked myself out. I then called quick wallet and could not get a single person on the phone. I kept being routed to a recording that said I had been denied and eventually someone would be available but to leave a message if not. No one answered and no one Called me back. I also sent and email to the company via their website and nothing. There should be proof of this on their end. 

I again was locked out of my bank Monday the XXXX for again failed attempts. To me this means the company tried to access my bank account several times after we got off the phone. This is not acceptable and should be illegal! And investigated! 

I also went into the website and found all my banking info, card info and social all available and I want it removed now! I did not I guess get approved so they no longer should have access to any of my information.