23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Issues is with XXXX XXXX XXXX who said they are working on behalf of US Bank. They report that I owe a debt of XXXX. I don't know of this debt. They threaten to send me a summons but I called the local law clerk and they where not able to find a case. They point to a website that has only been created a few months ago but said they been in business for 3 decades. Also the website - https : //www.baylorandpartners.com/ - shows copyright 2022, but again the WHOIS shows the website was created XX/XX/XXXX " XXXX search results Domain Name : BAYLORANDPARTNERS.COM Registry Domain ID : XXXX Registrar XXXX Server : XXXX Registrar URL : XXXX XXXX XXXX Updated Date : XXXX Creation Date : XXXX XXXX Expiry Date : XXXX Registrar : XXXX XXXX 
XXXX XXXX ID : XXXX Registrar Abuse Contact Email : XXXX Registrar Abuse Contact Phone : XXXX Domain Status : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX clientUpdateProhibited Name Server : XXXX Name Server : XXXX XXXX  : unsigned '' I was contacted today at XX/XX/XXXX regarding this. XXXX post has detailed this could be a scam industry trying to scare people into paying a debt that doesn't exist or is past Statute of Limitations.
Product: Mortgage

My mortgage # XXXX held by XXXX XXXX was sold to Wells Fargo on or around XX/XX/XXXX. Wells Fargo has assigned # XXXX to this loan. 

I made my XX/XX/XXXX mortgage payment to XXXX XXXX on XX/XX/XXXX. Wells Fargo is demanding that my XX/XX/XXXX payment be sent to them. For some reason, XXXX XXXX and Wells Fargo can not communicate between themselves to straighten this out and I do not feel responsible for this problem. 

I had nothing to do with the sale of my mortgage to Wells Fargo. In fact I am not happy to be doing business in any form with Wells Fargo due to there record of unethical dealings. I do realize that I have no control over the transfer of this loan. 

My XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX mortgage payments have been accepted by Wells Fargo. The outstanding issue is the proper crediting of my XX/XX/XXXX mortgage payment.

Please help. I am an old angry widow and have no patience with this nonsense.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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
Product: Credit card or prepaid card

This complaint is in regards to American Express and their Delta Skymiles Reserve Card. 

They claim to have a benefit for TSA PreCheck ( below is the post from the AMEX website ) : " Application Fee Credit for Global Entry or TSA PreCheck Receive either a {$100.00} statement credit for Global Entry or a credit of up to {$85.00} for TSA PreCheck after you apply through any Authorized Enrollment Provider. Only one credit will be given in a 4 year period for Global Entry or in a 4.5 year period for TSA PreCheck, depending on whichever application fee is charged to your eligible American Express Card first. 

The application fee credit for Global Entry or TSA PreCheck is available to American Express Gold Corporate Card Members, Consumer Platinum Card Members, Corporate Platinum Card Members, Business Platinum Card Members, Consumer Centurion Members, Corporate Centurion Members, Business Centurion Members, Delta SkyMiles Platinum Card Members, Delta SkyMiles Reserve Card Members, Delta SkyMiles Platinum Business Card Members, Delta SkyMiles Reserve Business Card MembersXXXX XXXX XXXX XXXX XXXXXXXX American Express Card Members. 

Additional Card Members on Consumer and Business Platinum and XXXX accounts also receive the benefit when the Global Entry or TSA PreCheck application fee is charged to their eligible Card. 

For XXXX XXXX XXXX XXXX, Delta SkyMiles Platinum Card, Delta SkyMiles Reserve Card, Delta SkyMiles Platinum Business Card, and Delta SkyMiles Reserve Business Card either the Basic Card Member or the Additional Card Member ( s ) on the same account can receive the benefit when charged to their eligible Card. The first application fee charged to the eligible American Express Card will receive the credit. Please note, there is only one ( 1 ) statement credit in a 4- year period for Global Entry or in a 4.5 year for TSA PreCheck available per Card account. '' - I have transactions on XX/XX/XXXX whereby me and my wife paid for TSA PreCheck at a preferred TSA.gov  company ( XXXX ) and charged these fees on our AMEX Delta Skyline Reserve Cards.

- I was told by one online AMEX support associate that XXXX was not a company they reimburse these fees for. Was then disconnected from the chat session with this associate. 
- After reconnecting with the AMEX support, I was also told by another AMEX support associate that they did not cover but ONE reimbursement of fees but the disclosure says the primary cardholder AND the additional card members.
Product: Vehicle loan or lease

My wife and I recently purchased a 2019 XXXX XXXX from a local dealer. We filled out the load application and submitted the paperwork to XXXX XXXX out of XXXX, NE, only to find out we weren't eligible for the sales promotion rate of 4.99 %. They said the best they could do was 21 % which we immediately said 'No ' and told them we'll just go buy a different manufacturers product. Within 15 minutes they came back with a rate of 7.99 %. After about 2 hours of going back and forth even trying to explain how to read a credit report we just signed for the 7.99 %. They claimed we had a lien filed against our property. 
We called our mortgage banker at the same time who told us that was the name of the initial loan company. Our mortgage banker told us to tell Yamaha that they need to learn how to read a credit report. Specifically when a loan says, 'satisfied '. My wife and I both have over 750+ credit score. I feel this was fraudulent activity on behalf of Yamaha. I don't think the promotion was real.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 Section 2 also states a consumer reporting agency can not furnish an account without my written instructions/consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been XXXX XXXX the last six filing dispute on mortgage payments reflecting proper balances on the credit reports.I keep getting the runarounds.The balance shows XXXX and we owe XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The federal Stafford loan was approved for XXXX XXXX on XXXX. I met the 3-year period of monitoring for continued XXXX on XXXX. As of this date ( XX/XX/XXXX ), the loan was no longer subject to any further monitoring by the U.S. Department of Education or its loan servicer, XXXX. On XXXX, the loans status was officially DISCHARGED and from this date the loan was to be reported as discharged as a final conclusion on the status of the loan. 

TransUnion refused ( and still refuses ) to report the loan as DISCHARGED and reports the loan as a consumer dispute. All of the other credit reporting agencies removed the loan from their respective credit reports. 

TransUnion continues to post a disconnected phone number as a contact number for me. The phone number XXXX was de-activated from my name on XXXX. This number can not be re-activated in my name. It is a permanent disconnected phone number for my name. 

TransUnion recently posted a name that is not legal for me to use. The last name XXXX was changed by court order signed by a circuit judge on XX/XX/XXXX. It is not legal for me to use the name XXXX in any way or combination or as part of my legal name on any documents or for any purpose.
Product: Credit reporting 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 XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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 UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 a 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 informationisinaccurate.
Product: Bank account or service

XX/XX/XXXX, I submitted a letter to close my account with Ally Bank. XX/XX/XXXX, having not yet received a check, I called to understand status on XXXX XXXX, 2016. They said they mailed the check and would need to reissue a new check. Given the amount ( over {$190000.00} ), I asked them to expedite whatever paperwork was necessary. On XXXX XXXX, I had still not received any paperwork, so again called. They said they had not done anything as a result of my original request, but would send paperwork via email. Since I was traveling, I did not have access to a printer and the paperwork " expired '' after 8 hours. The access to the paperwork was laborious at best as it was sent through a secured site. On XXXX XXXX, I called Ally Bank again ( spend another 30 minutes on the phone ) and they again indicated they would send out paperwork which would need to be notarized. They also indicated they had not yet cancelled the check. A few questions : 1 ) Why did they not immediately cancel the check on XXXX XXXX when I originally notifified them the check had been lost? 
2 ) Why did they not send out the paperwork after the XXXX XXXX call? 
3 ) Why does the paperwork expire after 8 hours so the consumer can not get access to their funds. Since I was traveling, this delayed me yet another 2 weeks? 
4 ) Why does the paperwork have to be notarized and why does it have to be sent through a secured site. On XXXX XXXX, the check had not been cashed, so I do not understand why this level of difficulty in getting access to my funds. 
5 ) Are they making the process inordinately difficult in order to keep my funds, in hopes XXXX XXXX not be relentless enough to spend hours on the phone, find a notary, decode a difficult and confusing software to access the paperwork and hope that they expedite my check and actually deliver it this time. 
I work in financial services, and take the CFPB very seriously. I have never made a complaint, but this situation has been so aggregious and so consumer unfriendly, I thought it important to bring it to your attention. I would appreciate any help you can give me to expedite this matter to a close for me and as importantly to provide Ally guidance on how to treat consumers in the future.
Product: Payday loan, title loan, or personal loan

I am receiving harassing phones constantly even after paying this company, I was offered a deferment and made the payment in full and since then I have been receiving non stop phone calls and messages for payment durning my work hours, I have expressed this multiple times and it is still going on till this day, also non of the people who work for this company seem to communicate or be on the same page. I will be sending over proof of the payment I made along with all phone call and message records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some hard inquires on my account that I have no knowledge of. I spoke with TransUnion earlier they told me to report it. The inquires are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

my wife and I have a XXXX loan. We have never missed a payment.When my wife and I signed the papers we were told it was a fixed rate mortgage. It was not explained how the interest was applied. Interest goes up just about every month. We have requested a modification numerous times, to no avail. We borrowed {$200000.00}. Upon request of the doc 's we learned that the amount that we have to pay over the term is {$480000.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I received a credit card in the mail and didnt think anything of it. It wasnt until I checked my credit report to see that it was a hard inquiry that brought my credit score down. The credit card was unauthorized and I never applied for it.
Product: Credit reporting

XXXX XXXX XXXX Card # XXXX ending in XXXX and XXXX have been reporting on my file as Charged Off. I have XXXX. XXXX of XXXX XXXX court in GA 's judgment where it clearly shows, I, XXXX XXXX, is not party to these cards. They are company cards and company settled the cards with XXXX in official court settlement. I have sent XXXX XXXX Court Order and Settlement Agreements of Company with XXXX to all XXXX agencies, namely Transunion but they fail to delete these cards stating that XXXX on settlement is not reporting however the account ending in XXXX is in fact ending in XXXX and XXXX is reporting it improperly or credit agency does not care. This is my XXXX or XXXX time disputing this as its clearly effecting my credit history and my ability to survive financially. Upon various requests in writing, credit agency failed to even explain how they are verifying this info. Other than these XXXX derogatory information, my credit report has been spotless.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to EQUIFAX on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? I want this taken care of immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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: Mortgage

Citizens One Home Loans, a subsidiary of Citizens Bank, N.A. ( the bank ), services our conventional mortgage loan. The loan includes a property tax escrow. The town allows quarterly payments, and the bank had always paid the tax payments quarterly. On XX/XX/XXXX, the bank sent a letter stating it would begin paying the property taxes annually for XXXX, rather than quarterly, to get the 2 % discount that the town offers for paying in full. It noted the change could result in an escrow shortage, which if we did not pay in full, the bank would spread over 24 months in the monthly payment. The letter did not disclose how the escrow account payments would change, or if there would be a shortage. In addition, the letter did not give a choice to waive the 2 % discount, and the possible higher escrow shortage, and stay on the quarterly payment cycle with the town taxes. Around XX/XX/XXXX, the bank sent the annual RESPA Annual Escrow Account Disclosure Statement. The Account Projection table showed there would be the annual tax payment, and that there was now a {$4000.00} escrow shortage. If we did not pay the shortage in full now, the monthly payment for the next 12 months would cover the shortage increasing our total monthly payment {$330.00}. During a phone call with the Tax Dept, the  representative said that it seemed like an error and they would review the issue and contact me. On XX/XX/XXXX, we received the same RESPA disclosure the bank sent in XX/XX/XXXX. The customer representative in the Tax Dept told me that there was no choice in the matter, although they could spread the escrow shortage over a longer period if the payment was not affordable. After checking with her management, she confirmed that we had no choice and the bank would pay the taxes annually. 1. The bank does not disclose the amount of escrow shortage and payment increases when it decides to go to the annual payment cycle instead of the usual quarterly cycle. 2. The bank does not provide the homeowner an option. 3. The bank disclosed that the shortage would be payable over 24 months when the Annual Escrow Disclosure said it would be 12 months, resulting in the substantively increased payment compared with a 24 month collection ; and 4. Customer Service confirmed today that the servicing system is in fact scheduled to collect the shortage over 12 months, not 24. This is an Unfair Practice because we have no choice in the repayment terms of the taxes on our property and we had no information or ability to change how much the escrow would collect to prevent the shortages. In addition, this is a Deceptive Practice, because the XXXX letter advising of the change did not provide the information we needed, it stated it would collect the shortage over 24 months when it would in fact collect it over 12 months. The bank should provide more information when it gives notice of the change in its practice to pay the taxes annually. In addition and most importantly, the bank should offer homeowners the option to pay the 2 %, or remain on the quarterly cycle and lower the escrow shortage, because to do so would be best suited for their budget.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Account XXXX XXXX ( {$1700.00} ) Dear Equifax XXXX Department, I am writing to formally dispute an inaccurate account currently reporting on my credit file. Upon reviewing my Equifax credit report, I noticed a XXXX XXXX account with a balance of {$1700.00}, which I have never opened or authorized. This account does not belong to me and is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Legal Violations & Basis for Deletion : 1. Violation of FCRA 1681e ( b ) - Inaccurate Reporting : The presence of this account on my report suggests a failure to maintain maximum possible accuracy in your records. I am demanding immediate deletion of this erroneous account. 

2. Violation of FCRA 1681i ( a ) - Failure to Investigate Past Disputes ( If Applicable ) : If I have previously disputed this account and no proper reinvestigation was conducted, Equifax has failed in its legal duty to investigate and correct inaccuracies within 30 days. 

3. Violation of FCRA 1681c-2 - Identity Theft Protections ( If Applicable ) : If this account resulted from identity theft, I demand that Equifax permanently block this item from my report under my legal rights.

4. Violation of FCRA 1681s-2 - Furnisher Reporting False Information : XXXX XXXX and/or any debt collector associated with this account is illegally furnishing false data to Equifax. Reporting inaccurate or unverifiable information is a violation of federal law. 

Demand for Immediate Action : Under my rights established by the FCRA, I am requesting : Immediate deletion of the XXXX XXXX account from my Equifax credit file. 
A formal response within 30 days confirming removal or a full reinvestigation with proper evidence. 
Copies of all verification documents that Equifax relied upon to report this account. 
If Equifax fails to correct this inaccuracy within 30 days, I am prepared to escalate this matter with : A formal complaint to the CFPB ( Consumer Financial Protection Bureau ). 
A lawsuit against Equifax for willful noncompliance under FCRA 1681n, which allows for damages up to {$1000.00} per violation, plus attorney fees. 
I expect a prompt resolution of this dispute. Please provide written confirmation of your actions. You may send your response to the mailing address listed above. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

We received a call from the ADR-Group, XXXX, they claimed we committed fraud when we took out a payday loan in XXXX 2014. This loan was charged off in a Bankruptcy at the beginning of this year. They claimed they were sending the fraud case to the XXXX, we call them and they told us they would not act on anything without sending it in writing. The company was terribly aggressive for a loan that was charged off. The XXXX office told us they had several calls on this topic today.