23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have written 3 times to XXXX XXXX, XXXX XXXX XXXX, XXXX TX XXXX in response to their written efforts to collect a debt of {$96.00}. 

They address their letters to my late husband XXXX XXXX. The account number they use is XXXX. He passed on XX/XX/XXXX of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX 

I contacted XXXX XXXX and spoke with XXXX in their financing dept. 
who confirmed that my husband has no debt with them, in fact has a credit of {$95.00}. 

My first letter to XXXX XXXX was sent by priority mail, my second one by certified, my third one was notarized. Each one addressed the fact that they are mistaken about the debt. 

XXXX XXXX has sent statements dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and then to a debt collection agency that temporarily suspended my case upon further inspection, XXXX XXXX has an answering machine but has never called me back after I left many messages at XXXX XXXX XXXX, It's as if this company no longer exists but by automatically set software to get peoples ' money. I suspect fraud and hope that CFPB can help me with this. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Falsely reporting to my credit report {XXXX as a XXXX XXXX XXXX XXXX XXXX. I disputed this in the past but there has been no action. This account does not belong to me and needs to be removed from my credit. I have already disputed this but there has been no change. 

XXXX XXXX XXXX XXXX Falsely Reporting to my credit report XXXX as a XXXX XXXX XXXX XXXX XXXX. I already disputed this information. It is not my account and needs to be removed from my credit. 

XXXX XXXX XXXX XXXX Falsely Reporting {XXXX} to my credit report as a XXXX XXXX XXXX XXXX XXXX. I already disputed this but it needs to be removed from my credit because this account does not belong to me. 

-XXXX XXXX XXXX - Falsely Reporting to my credit report XXXX} from XXXX. This account does not belong to me. I am disputing it with the FTC as well. 

XXXX XXXX -Falsely reporting XXXX  XXXX. Requesting that this be removed from my credit. This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX Falsely Reporting {XXXX}. Requesting this be removed from my credit report. 

-XXXX XXXX XXXX XXXX XXXX XXXX Falsely Reporting XXXX} to my credit report. I am requesting that this be removed immediately.
Product: Debt collection

Okay I have 3 problems which all of them i have no knowledge of this accounts.

i have never opened any of this accounts, and i told them many times i just ca n't provide evidence that this are not my accounts i have never been there or open accounts, i never gave any one permission to open accounts on all of this 3 places because of them my credit score been ruined, they ruined my life i just ca n't get rid of this collections, This all 3 accounts place a collection on 3 credit bureaus. 

Original Creditor : XXXX XXXX XXXX collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX date-XX/XX/XXXX balance- {$3100.00}
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me 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 XXXXXX/XX/XXXX
Product: Debt collection

I do not believe the debt that is reporting on my credit is valid.
Product: Mortgage

My name is XXXX XXXX. I inherited my grandmothers home which is in a current short sale process. The loan originated with XXXX and the service provider is Bayveiw. The address is XXXX XXXX XXXX XXXX, XXXX, Fl XXXX Loan # XXXX I have been in contract for over 2 years trying to sell this property. The previous purchasers backed out when we found out there is over a {$32000.00}. tax lien and a fraudulent deed was recorded and a quiet title suit is required. I do have an all cash buyer who is willing to take these issues, and we sent an all cash offer over a month ago. The loan was reassigned from XXXX XXXX to a asset manager by the name of XXXX XXXX. She has not returned any of my calls nor has she returned calls to the attorney of XXXX who has been diligently trying to close this problematic transaction!!! Since then Ive dealt with squatters and had the XXXX XXXX electrical inspector shut electrical to the property because the squatters bypassed the fuse box and hard wired the home which was a fire hazard. Now the purchaser has the additional expense of bringing the entire electrical service up to code. Im frustrated because the tax lien is accruing interest daily and no attemp for communication has come from the new asset manager to assist us to sell the house. Its very strange because the between the huge tax lien, a quiet title action, over {$100000.00}. Repairs to the house and no C/O its defineately in everyones best interest to close promptly. This has been the most horrible experience over the last two years where weve had numerous other problems with Bayveiw if you want to check the history, Ive filed two other complaints which were resolved because of your involvement. I would appreciate any assistance on this matter greatly. My mother has stage XXXX XXXX and I am a single mother of a XXXX year old. I take care of them both. It would be a tremendous load off my shoulders to get this house sold and closed!!! 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 i sent a letter to XXXX  disputing information on an account named XXXX I never received a return information or respond meaning the credit bureaus are entitled to delete it permanently off my report
Product: Credit card or prepaid card

I have a credit card with Regions bank. I made my Regular cc payment on XX/XX/2021 in the amt of {$290.00} using my XXXX  XXXX XXXX XXXX XXXX account. On XX/XX/2021, I made a double up payment of {$930.00} using my XXXX account. I was told it would take XXXX to XXXX  days to post. Within that time I noticed the money hadn't posted so I called in to Regions. I was told that the payment still hadn't processed at that time I was informed by Regions credit card department that they could cancel the transaction then process a new one. I decided to do a new transaction. A few days passed when I noticed Regions had collected the money. Shortly after, I noticed Regions bank had debited my account for another {$930.00}. I asked for them to return but they replied that they can't return my money because it's a non Regions bank account. As of today, they have failed to return my money to me. I asked if they could forward the {$930.00} they took from my account and deposit it into one of the Regions bank accounts my boyfriend has with Regions being that he's a business owner and he has me listed as the authorized user as well my name is on his accounts, having the privilege to discuss his accounts or make necessary changes, Regions have denied me asking if they could deposit the money into a Regions account with me being the authorized user and my boyfriend speaking with Regions bank credit card company authorization to allow me the right to be able and have my money Regions took from my non Regions acct to be deposited into his Regions XXXX  account.
Product: Debt collection

Found debt listed on credit report. Sent letter stating letter to creditor listed that the debt was being disputed and validation is requested. Company sent back letter but did not receive the proper debt verification. The company listed original creditor but not amount Stated that they verified with original creditor via secured email and/or retrieval of original documentation but did not send to me. Stated that their verification process determined their debt information and final sum due as being correctly reported to them. Stated that information would remain reported to   XXXX   despite the debt was being disputed.
Product: Money transfer, virtual currency, or money service

I sent XXXX on XXXX XXXX, it was sent to the recipient twice. I text the recipient to ask how much was sent he said he received XXXX payments of XXXX, I asked him to send one back. He did then I transferred the XXXX. Back to my bank account they charged me XXXX for the transaction.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account XXXX XXXX XXXX Account Name : XXXX XXXX - Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX - Account Number XXXX XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account XXXX : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXXXXXX 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 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 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 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 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

ARS ACCOUNT RESOLUTIONS HAS AN ACCOUNT ON MY CREDIT REPORT THATS NOT MINE. THEY REFUSE TO DELETE. I DO NOT HAVE A WRITING CONTRACT BETWEEN ME AND ARS ACCOUNT RESOLUTION. FOR OWING ANY SUCH DEBT OR COLLECTIONS.
Product: Mortgage

Company has failed to pay property insurance due to lack of funds. Account is escrowed and I have been making all payments on time. Concerned that property taxes are also not getting paid and that I could lose the property. Insurance payment is over a month late, was due XX/XX/22. Talked to mortgage company XX/XX/22 and they told me payment would be sent the following day. My insurance contacted me XX/XX/22 saying they had not recieved payment. I called the mortgage company XX/XX/22, who informed me they tried making payment with a credit card because " they could not issue a check at that time ''.
Product: Checking or savings account

I opened several bank accounts ( personal checking, savings and also a business account ) with Colorado First Bank on XX/XX/2020 and was also approved for a credit card that same day. 
On roughly XX/XX/XXXX I logged on to my online account and saw the credit card account ( which I had not even received yet ) had  charges on it $ ( XXXX ). I called the bank, cancelled the card and filed a claim. I received 'provisional credit ' on XX/XX/XXXX and was fully refunded on XX/XX/2020. 

Just a few days later, I signed on again to monitor my account and noticed that my bank account had been drained. I once again called the bank, filed a claim and answered all the questions. I had possession of the card so this seemed really odd and absolutely terrifying. How on earth was this possible? There were charges amounting to {$2600.00} and there was even a {$400.00} withdrawal at one of their ATMs. I got very little reassurance from them. I was told they would investigate and let me know. A few days later I was told that I would not be refunded because the debit card was in my possession. They didn't even try to investigate! Most of the purchases were made in person ( surveillance? ) and at the very least, the ATM was at one of their banks so they could have checked their camera 's. Instead, they closed all of my accounts without my knowledge, business account and savings too ( they were unaffected ) and a letter stating they would be reporting me to the credit agencies for 'Misuse ' of my account.

CRIMINALS! So now I've been victimized by the bank too.
Product: Mortgage

I am filing a complaint due to the lack of communication and inability of Mr.Cooper to assist us with our mortgage needs and an active refinance.

A brief background : we did a XXXX XXXX XXXX XXXX XXXX VA  due to the effects of COVID on our family and income in XXXX. Once this forbearance program was over, we elected to have the amount rolled into the back of the loan ( created a XXXX XXXX ) and it would get paid off down XXXX XXXX. 
THE PROBLEM XXXX filed the XXXX XXXX BUT did not get the XXXX XXXX partial claim approved through the XXXX  XXXX then proceeded to transfer the loan to You, Mr.Cooper. 
We have spoken to both XXXX and Mr.Cooper and because the partial claim was NEVER approved through the VA, Mr.Cooper has the mortgage in loss mitigation. THEY ARE TRYING TO TAKE OUR HOME DUE TO AN ISSUE that was caused by XXXX and now are not responding to anyone to get it resolved. Weve had a guy come to our door twice now on behalf of Mr. Cooper and leave a note on the front door. All we want to do is pay our mortgage, but we can not because our loan isnt even recognized. We have no ability to make payments other than to send a check in. Even then, we have to call to find out if it was received and its clearly not getting applied correctly as were in forbearance. We've tried calling Mr. Cooper MULTIPLE times and, each time, we're told by the people we talk to that they're going to open a case to get it resolved. The last lady that we spoke to when we called on XX/XX/XXXX finally was at least able to get us access to an online portal with Mr. Cooper. No one before that could ever even get that done. All this and we still get forbearance notices from Mr. Cooper. 

Now we are trying to refinance this mortgage and pay both liens off. We've been approved since XX/XX/XXXX!! We have plenty of money in equity in our home. BUT due to the fact we can not get an accurate payoff, payment history, or clear title due to the mistakes that were made by XXXX and lack of communication from Mr.Cooper, we are at a stand still. We finally have have someone at a high level at XXXX that is working on their end to try to fix this as of XX/XX/XXXX, however, she has attempted to contact XXXX different people at Mr. Cooper and has received ZERO response as of the date of this complaint. ( Her name is XXXX XXXX, phone : XXXX ) We need someone to MAKE THIS RIGHT. We have the money to pay our mortgage, but we dont have the money to pay off the XXXX lien XXXX We also need this refinance to fix several things in our home that we can not do because we cant get money out of our house! Again, we WANT to pay our mortgage! Your company is preventing us from doing that. 
Ultimately, ALL OF THIS would go away if Mr. Cooper would just play their part and allow this mess to be fixed. A refinance would get EVERYONE paid and restore us to proper standing. I just don't understand why this is SO difficult when we did NOTHING wrong except try to stay in our home and pay our mortgage during a very challenging time. 
Thank you in advance for your rapid response.
Product: Checking or savings account

Well This started after An issue With another Vendor making charges To my account up to 10 Days before they were officially authorized to. I had reached out to My Bank Navy Federal for help. After expressing frustrations because they REFUSED to help me I started to get treated Rudely by their staff. After calling that out I'm suddenly incurring Returned Check Fees on payments I never authorized. I feel this is being done out of Spite as the Staff want to " teach me a lesson '' for responding to their rude and condescending behavior. This isn't the first time I've had such issues as I had a similiar occurance When I included them in a complaint made to the XXXX for allowing Vendors to take unauthorized charges from my account. Navy Federal claims us veterans are their mission but anymore it seems like helping fraudsters and unauthorized Vendors Rob us blind is their real mission
Product: Credit reporting

Equifax is reporting unverified accounts on m y credit report. This is in violation of the Fair Credit Reporting Actm Section 609
Product: Mortgage

Wells Fargo sent me a letter stating that I have an outstanding water board bill and that if I do n't pay it, they will pay it from my escrow account and then adjust my monthly payment. Problem is I do n't have an outstanding water board account. No one could tell me what a water board account was and I was told it was different from my water bill. When I inquired as to where they got this information, no one was able to give me a straight answer and they gave me the run around. I do n't know what to do.
Product: Mortgage

We are trying to refinance our mortgage. When we first started our application we found an error on one of the credit reporting agencies. We submitted a dispute immediately. We were told if we provided copies of all relevant information we could get around the error. We provided all the court documents. Complete with the right and correct information. We provided the phone number and contact agent for the court to verify the error. We have provided all legal documentation to resolve this error. Now 35 days later when we are ready to close our loan and get it funded. The underwriter refuses to except our legal verified court documents proving the error. And is refusing to move forward until the credit reporting agency has it corrected. We have contacted them 6 disputes! They keep reporting the information incorrectly. They have incorrect docket number and discharge date for a bankruptcy. They say they verify the records through a third party vendor. XXXX. We have contacted them and they have the correct information now. But XXXX still wont fix this error!! We were promised when we began this process this error would not be a problem. Then at the very final stage the underwriter wont except prof fro the US BANKRUPTCY COURT XXXX XXXX UTAH. Give full prof of the error.Dont understand why Legal Court documentation is not acceptable to override the error? Seems like the underwriter does not take legal binding documents as prof!
Product: Credit card or prepaid card

My name is XXXX XXXX and Ive been with capital one bank for almost three years every time i make a purchase they lock my card and when i verify who i am they make me verify more and more i have done everything as far as verification and they still want unrestrict me i see it like this if u ask me certain things about myself and i answer correctly aint that verifying myself i just wan na use my card and if i said nothing fraud is going on i want to be left alone its my card and i have a united states right to use it how i want especially if i have a major credit line i just dont get the hassle
Product: Money transfer, virtual currency, or money service

Purchased a car part from someone in a private group for {$100.00}, and sent money via Paypal. The seller has since blocked me on all platforms, including Paypal, so I am unable to contact them. 

Paypal says they are unable to provide purchase protection on payments under " Friends and Family '', but they did not provide me any other option when sending the money to the seller.
Product: Debt collection

To Whom It May Concern, This letter serves as my formal cease and desist request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), and my formal dispute of a credit reporting entry under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2. 

I am demanding that you immediately stop all collection efforts and remove any and all reporting of this account to the credit bureaus, specifically regarding listed as a medical debt with a balance of {$540.00}. 

I have never entered into any agreement or contract with your company, XXXX XXXX XXXX, and therefore dispute the validity of this debt. Additionally, you are in violation of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which clearly states that a furnisher of information may not furnish 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. 

Furthermore, per FCRA 1681s-2 ( a ) ( 2 ), if a consumer notifies a furnisher that information is disputed, you are legally required to not report the information to any consumer reporting agency without indicating that the information is disputed. Continued reporting without such an indication is a violation of federal law and may subject you to civil liability under FCRA 1681n and 1681o. 

You are hereby ordered to : 1. Cease and desist all communication and collection efforts immediately, per FDCPA 805 ( c ). 
2. Provide complete and legally valid verification of this alleged debt under FDCPA 809 ( b ), including : A signed contract or agreement with the original creditor. 
Proof that you legally own or have been assigned this debt. 
A full payment and itemization history. 
3. Immediately remove all reporting of this account from all credit bureaus, including Equifax, Experian, and TransUnion, and confirm in writing that you have done so. Continued reporting of unverified and disputed debts constitutes a willful violation of the FCRA and subjects your company to statutory and punitive damages. 

Failure to comply with this request within XXXX  days will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office. I also reserve my right to seek legal action for damages caused by these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I tried an online freeze of my credit ( considering XXXX breach ). Experian said it can not honor my request. Tried twice.
Product: Vehicle loan or lease

On XX/XX/XXXX I traded my used vehicle to XXXX XXXX that was currently being financed by Ally Financial. XXXX XXXX cut a check and mailed to Ally Financial on XX/XX/XXXX. I was advised by XXXX not to pay XXXX bill because it was to included in the final payout. 

However, Ally claimed to not have received final check from XXXX. I contacted customer support on a daily basis explaining to them that the vehicle had been sold to XXXX XXXX. XXXX XXXX also contacted Ally directly to let them know a new check would be issued and on XX/XX/XXXX, they sent it overnight via XXXX. On around XX/XX/XXXX, Ally reported my account 30 days past due. And on my Ally statement it shows receipt of two payments, the claimed lost check and the new check. Both were posted on XX/XX/XXXX. Yet, per my payoff letter, financial obligation of this vehicle was met as of XX/XX/XXXX ( see attached ) The 30 days past due report on my credit has resulted in a XXXX to XXXX point decrease across all reporting agencies. I've filed a dispute with all three agencies who concur with Ally and refuse to update my credit report. I've provided documentation to no avail.
Product: Checking or savings account

Wrote a billpay check for XXXX dollars. They are refusing to credit me expeditiously for a lost payment they didn't deliver.