23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ECMC contacted my employer. I had never received any information, telephone call, document, or written correspondence from ECMC. XX/XX/XXXX, the first I heard of them was via my employer. ECMC would not provide me with any documentation, or tell me what I owed, and they made up different names for their customer service people ( the same person referred to himself as XXXX and then XXXX and then joked that he can be whomever he wants ). I looked them up online and utilized their online form ( they would not provide email or fax, and their mailing addresses require you to know what division to write to ) to submit a Cease and Desist. XX/XX/XXXX, ECMC began garnishing my wages through a third-party payroll company, XXXX. They did not contact me, and they did not contact my employer. XXXX did not notify me and will not provide any documentation. XXXX, who is not my employer, but a payroll company, began garnishing the same date they received the notice. ECMC will not produce documents, and XXXX will not produce documents. I live in the State of California ; I am XXXX as a XXXX by XXXX organizations, and I have never heard of something like this happening without any prior notification from anyone. In an online XXXX XXXX " XXXX '' issued by one of the professional organizations to which I belong, it suggests that XXXX notify employees of these actions. I am XXXX, and I was n't notified. In one week, there are more than six hours worth of calls logged to ECMC Internal Collections and ECMC Customer Service. Time and time again, ECMC representatives hang up, play verbal games, claim that the only solution is to start sending them money, and incorrectly state that bankruptcy will not provide a solution. I have no intention of filing for bankruptcy and never will, particularly over something that I do not owe, but I am very annoyed that when you call for one thing, the representatives will waste your time reading information off of a screen that has no relevance to your actual situation. What I wanted and needed was to be notified of this action. Now that it has happened without notification, I want it to cease, and I want to be given actual documents. They claim that the only way to make this stop is to pay them money. I will not pay them money because that would validate something that I do n't even know about. This is XXXX ultimate scam, and I never thought that something like this would be possible in this Country.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account #, has violated 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 XXXXXXXX 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX, XXXX Acoount number : XXXX Account name : XXXX Acoount number : XXXX Account name : XXXX  Acoount number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX number : XXXX Account name : XXXX XXXX XXXX number : XXXX Account name : XXXX XXXX XXXX number : XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX did not complete the investigation within the XXXX days allotted and still refuses to remove the accounts XXXX XXXX XXXX XXXX XXXX XXXX from my credit.
Product: Mortgage

Received a letter in the mail with the following text : UNDERSTANDING XXXX XXXX PLEASE KEEP A COPY OF THIS NOTICE FOR YOUR RECORD [ My Name ] Your Economic Benefits Your current loan with [ My Lender ] has been identified as benefiting from the aggressive enhancements made to XXXX XXXX eligibility. These changes will generate economic benefits for those, like you, who have a conventional mortgage. 

Some benefits could include a cash disbursement of [ Some Value ], a shortened payment term or a lower mortgage payment. 

What You Need to Do To get the necessary information, call our office at XXXX before XX/XX/2022. Please have Notice Number [ Some Number ] ready when calling our Enhancements Help Desk to discuss your new loan information. 

Note : Due to the number of homeowners positively affected by these changes, call volume may be high. To help expedite the process, please have your notice number available when calling. 


Below all this, in small print, is that the letter is an advertisement. 

JFQ lending and all other companies using this form are engaging in deceptive business practices and should be stopped.
Product: Credit card or prepaid card

Approximately XXXX months ago from XX/XX/23 I called XXXX XXXX Services to pay my annual fee and close my account. I was on the line with an employee for about XXXX minutes who said my account had been closed. 

Today XX/XX/23, I received a letter in the mail saying my annual fee was about to be charged. I called again and attempted to cancel my account and was asked a multitude of questions in an attempt to keep my account. The representative claimed to close my account but provided no confirmation of the such and said confirmation would come by mail. I do not think my account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$1100.00} XXXX  XXXX  XXXX {$130.00} XXXX XXXX XXXX {$430.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX XXXX {$680.00} XXXX   XXXX  XXXX {$370.00} XXXX XXXX XXXX  XXXX {$430.00} XXXX XXXX {$1600.00} XXXX   XXXX {$19000.00} XXXX XXXX XXXX {$330.00} XXXX/XXXX  XXXX {$530.00}
Product: Vehicle loan or lease

I went to purchase a car the loan application was submitted to 2 companies 1 accepted on XXXX XXXX XXXX.turner acceptance turned around after I had already been approved for a loan by another company. They ran my credit again on XXXX XXXX XXXX. When I saw it I contacted them and asked them to remove it the staff member I spoke with said that they could not remove it and I asked her why would they wait 6 days after the first inquiry would they run a second one it is on my XXXX and XXXX report and they have not made any attempt to correct it.
Product: Mortgage

Ocwen loan Servicing is dual tracking a short sale. There has been an offer on this property since XXXX XXXXXXXX. They have repeatedly asked for updated documents from the buyer, borrower and real etstae agent. Now they have put up a foreclosure sale date for XXXX XXXXXXXX.
Product: Debt collection

Received a letter from Allied International Credit Corp, XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX phone XXXX making a demand for {$160.00} owed to XXXX. 
I contacted XXXX and received a reply stating no amounts are due to them by me. 

XXXX  has received similar complaints which evidences a scam being perpetuated by this organization. 

The company shares a location with a law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
When I contacted the law firm they were evasive about any connection.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against US bank my credit card, the number is XXXX XXXX XXXX XXXX, which was paid in full XX/XX/2019 before the due date. I called the company and asked for a payoff balance which they gave me as being {$2300.00} gvien the fact that I had asked for a payoff balance earlier and the above amount was given. When the atatement came out it showed me still owing {$18.00}, which I feel that I do not owe because when you pay the balance that XXXX out the account. What I was told that the cash advance interest had not be charged as the time of the pay off, which to me is usary or fraud, what ever the case I shouldn't have to pay that money and not to mention the other charges the representative informed me that is forthcoming. This isn't the first time I have had an issue with US bank regarding the interest on my outstanding balance. What they do is charge a standare interest and then a daily APR which is two interest fees being charged to the customer. 
I have attached two bank statements explaining my situation and their fee charges practices that needs to be corrected and disallowed.
Product: Debt collection

Not my debt there were numerous XXXX that were on my report that different middle initials and there were XXXX different XXXX. they all had different spelling and different addresses.
Product: Mortgage

I walked in Chase and met mortgage manager. 
I signed mortgage application on XXXX XXXX and gave them most of documents the next day they requested and more additional documents on middle of XXXX. 
I mentioned closing date is XXXX XXXX and they said okay. 
I brought {$100000.00} from XXXX and they requested document regarding this money again so I sent it on XXXX XXXX and I told them if they needed clear XXXX, let me know right away. 
But they never contacted me until XXXX XXXX. 

I got an email from loan proccesor on XXXX XXXX that she needed clear document about korean money which I sent on XXXX XXXX. So I sent it on XXXX XXXX because it was Satuday in XXXX. And they kept asking me more documents and failed closing date without noticing me. 
There were plenty of time to request this. But they never contact me until XXXX XXXX and kept asking me more documents. I did n't know I should prepare lots of documents if I bring money out of state but if they contact me earlier, I could have prepared everything perfectly like I did. I sent every documents the same day or at least the day after they requested. In this process, I tried to call mortgage manager I contacted at the first time, but he did n't get my calls, sent me text " I am in the meeting. I will call you asap. '' and never called me back. 
Anyway, chase failed closing date and told me " Do n't schedule the closing date until we notice you ''. Seller asked me to pay seller 's cost and I accepted. It is {$45.00} per day until XXXX and {$90.00} per day after XXXX. 

Then, I got an email from my attorney that the lender contacted closing coordinator and they can close on XXXX. I was happy and all parties set up the time and are waiting closing date. 
And today I got an email from my attorney again that Chase want to close XXXX. 
I have got lots and lots and lots of stress because of the loan and I thought now it is all done but then again, they changed the date! 
It was the lender who set up the closing date, XXXX and now they have changed the date. 
Now I have to seller 's cost three days more because it is XXXX weekend. 
And I am not sure if the lender really want to close this case. 
I ca n't trust Chase anymore. I chose chase because I am chase private client and I have had chase account for 9 years. I ca n't do anything because I am in weak side and the lender has money I need. But this is too much. 

Every chase person has this quote in their email " If you are not 100 % satisfied with my service or your experience with Chase at any time, please let me or my manager know right away. Our contact information is below. Thank you for choosing Chase. '' What a silly joke!
Product: Credit reporting

I am a small business owner and in between XXXX I had to take a great loss as XXXX came across the street to my newly purchased XXXX in XXXX, XXXX Not even that I had to close the XXXX but also had to pay for the removal of XXXX. Well for that reason I could not pay my Federal and State Taxes which I end up paying all of them with the penalty. Those tax liens still show on my credit report with XXXX of them as un-paid due to this I got denied earlier this year when I try to Re-finance my mortgage and again now when I applied for a small business loan. I tried to contact Experian, IRS and State of PA and all verify the paid status but Experian is unable to provide me a reason for my XXXX credit score. This is effecting my life immensely and I am requesting a resolve to this situation, thanks.
Product: Debt collection

Received a letter from them stating I owed 2000 to XXXX XXXX XXXX university. I reached out to XXXX XXXX XXXX university separately and they proceeded to call my place of employment.
Product: Mortgage

After divorcing my husband back in 2018, he purchased a home in the same town. Someone how flagstar had gotten incorrect information that the property at XXXX XXXX  XXXX with loan # XXXX was marked as a " second home " thus increasing my monthly payments by triple. Flagstar refused to assist in gathering the correct information and made it my responsibility. After getting the the correct documents they were able to do several escrow analysis ' and FINALLY had the correct monthly payment. But only moving forward. They were not able to retro-act the past " bills '' and showed that I had late or missed payments refusing to apply the payments I was making each month ON TIME. This is my 5th home I have owned and have NEVER had such terrible customer relations or service. They don't care that I am a person whose life they have destroyed with my credit. Showing me deliquent on 6 plus months has dropped my credit from a XXXX to a XXXX. All my credit cards have turned off. Business line of credit shut off and am unable to purchase my next home as this one is set to close on XX/XX/XXXX. I have had my own personal attorney write 3 demand letters on 3 separate months requesting information and explanation as to the disputes we had claimed, only to get GENERIC letters back with nothing addressed.
Product: Mortgage

I am a long-time checking/savings account holder with Fifth Third. On XX/XX/XXXX, my wife and I applied for a conventional mortgage loan to purchase a new house through Fifth Third. My original Mortgage Loan Officer was XXXX XXXX ( NMLS # XXXX ). XXXX provided a pre-qualification letter and assigned the loan to a Mortgage Processor, XXXX XXXX ( NMLS # XXXX ). 

XXXX, who was rude and unprofessional throughout the process, asked me to provide numerous documents, which I did without question and without delay. One of the documents XXXX asked me to provide was a copy of my home inspection. XXXX failed to inform me that I was not required to provide a copy of the inspection, failed to inform me that, if I did provide a copy of the inspection, that I would be required to rectify certain items on the inspection report, and failed to inform me that I would be required to pay for such rectification. In fact, XXXX failed to inform me of anything - she simply asked me for a copy of the report, which I provided. 

On XX/XX/XXXX, XXXX informed me that I would have to make certain repairs to the home ( which I do not yet own ), that I would have to hire a contractor to complete these repairs, and that these repairs would need to be completed prior to the closing date of XX/XX/XXXX ( a mere 20 days later ) in order for Fifth Third to approve the loan. 

The following day, I called both XXXX and XXXX to complain about what had transpired. XXXX admitted to me that XXXX should not have asked me for a copy of my inspection and that XXXX should have advised me of what would happen if I did provide a copy. XXXX then offered a potential resolution - there would be an escrow hold-over of an amount to be determined ; once I completed the repairs myself, I could provide proof of the same and the hold-over funds would be released. I agreed to this compromise. 

On XX/XX/XXXX, XXXX called me to inform me that the compromise we discussed on XX/XX/XXXX was not possible and that I would have to complete the repairs prior to closing. Considering that I do not own the home in question and that I have already negotiated the contract with the seller, this is simply not possible. 

I am now forced to find another lender at the last minute in order to avoid losing the home my wife and I wish to purchase. 

Fifth Third in general and XXXX and XXXX, in particular, have gone out of their way to attempt to ruin my purchase of a new home. Fifth Third should be ashamed of how it has treated a long-time customer. XXXX and XXXX should be stripped of their licenses to ensure that they do not have the opportunity to ruin another couple 's future.
Product: Checking or savings account

On XX/XX/XXXX I was looking over XXXX Bank of America bank statements and I had gone back into XXXX, when doing this I noticed I couldn't find over XXXX payments missing. Every month I have clients zelle me money for their monthly payments and I've been doing this for a couple of years now. Recently I went back to XXXX bank statements and I was checking XXXX client in specify with that client, his monthly payments are {$1600.00} and he's missing over XXXX payments for the months of XXXX, once I noticed this I reached out to the client to see what was going on and he was able to not only verify with his bank but also provided me confirmation codes and bank statements showing me that he did give me the monthly payments. After that, I went into my bank statements to see if I could verify on my end with my bank statements and unfortunately, I couldn't find any XXXX payments for the months of XXXX into the XXXX of XXXX and as well XXXX XXXX. When I found this out I reached out to Bank of America to find out what was happening and they would help to a certain point and then hang up on me the last final call I made they had mentioned to me to go in person and try to figure what was happening and I did and the person who was helping me was very rude and was no help so decided to close my account and try to find a different way to get help and see what happened to my missing money.
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report and I noticed collection account that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was met with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per 15 USC XXXX ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in section 15 USC XXXX ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Checking or savings account

Requested information about my 1099 IRS tax form to Bank of America verbally and in written form with negative results.it is urgent to receive this information in order to fill my tax report this year
Product: Credit reporting or other personal consumer reports

I am a victim of a Data Breach and Identity Theft. Please block and delete the following account within XXXX business days under the Fair Credit Reporting Act Section 605B, 15 U.S.C 1681c-2. Please delete and block the following account : XXXX. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a personal loan at my bank of 15 years, when I was denied. I had my credit pulled to see what I had on there, that's when I realized there were a lot of things on there that aren't mine. I believe someone is using my name to get credit cards and other items because none of these things are mine. I want them removed immediately. I have already taken the liberty of reporting this to the police and FTC. These items need removal XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, US DEPT VETS.
Product: Mortgage

The Carrington mortgage servicing department, has created this problem. The first item which happened was the company placed me on the certified funds only payment plan. It takes two returned items to be placed on this list. The first time was substantiated to be a bank error approximately XX/XX/19, yet Carrington mortgage servicing choose to apply this to my record. Then I was told not to make a payment during a refinance process on my fha loan. So I set up a promise to pay on both of my loans approximately XX/XX/19 to figure out what was needed on my accounts, and there were not instructions to stop the direct payment when doing this process, at least in an area readily seen when doing this process. This process resulted in a 30 day late notation on my credit. So Carrington mortgage servicing department told me I need to western union my payments, this was an immediate posting process according to Carrington, and for a couple of payments it was. So with their actions another payment needed to be made due to error in the reporting process at Carrington mortgage, I had to make another payment via western union ( which I shouldnt be doing anyway ) which was made on XX/XX/19 and Carrington is  posting on XX/XX/19, resulting in another 30 day infraction. This being said I attempted to resolve these issues with Carrington mortgage servicing department with extreme resistance on every level the errors were made. Carringtons actions have resulted in extreme issues further damaging my credit.
Product: Credit reporting

A Collection Agency ( XXXX XXXX XXXX ) is reporting a fraudulent collection account on my Equifax , XXXX, and XXXX credit reports.
Product: Student loan

I have had my loans since XXXX. Started with a balance of approximately {$30000.00}. It is now XXXX and I owe over {$32000.00}. I have paid them different payment amounts each year, 4-5 years anywhere between {$36.00} - {$120.00} since it varies due to their plan and my income. How am I ever going to pay them off if out of this entire time and I can't seem to ever lower this balance. Instead it continues to increase rather than decrease!! This is a total scam these people have and someone needs to do something about it!!! 
Nobody there seems to be able to give me a logical explanation as to why the balance has not gone down at all.