23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My mother passed away 10 months ago. At the time of her death she has two credit cards with balances of about {$10.00} and {$50.00} respectively. XXXX XXXX. is the creditor for both accounts. I informed both accounts of her passing just a few weeks later and was told that AscensionPoint Recovery Services would contact me as the representative of her estate in order to collect the amount owed at the time of her passing. I was also told that this could take several weeks, but that no late payment fees or interest would be added to the balances. When we continued receiving statements for those accounts showing that late fees and interest were being added to the balances I called again. This time I was told that we could ignore the statements and that AscensionPoint would only request the account balance at the time of death. Over 8 months after my mothers passing AscensionPoint finally reached out to me about one of these accounts and then the other, attempting to collect debts from her estate of about {$160.00} and {$360.00} respectively, balances that DID include all the late fees and interest accrued over the months after my mothers passing. Because so much time had passed and it wasnt a very large sum I initially paid the first account without questioning it. Later I happend to notice my error. When I contacted AscensionPoint about this they were quite gracious in refunding the full amount to me with apologies. At the time, it seemed like an isolated incident and I didnt think much of it. A few weeks later when AscencionPoint contacted me about the second account, once again requesting an amount that was much higher than the account balance at the time of death, I started to get suspicious. I am still in the process of getting the amount they are trying to collect from my mothers estate reduced to the {$50.00} that it should be. It takes time, effort and patience. My experience so far, also from what I can gather from the AscensionPoint representatives Ive spoken to is that its very common for small credit card debts belonging to the recently deceased to be handled in this way. Its not unthinkable that XXXX and possibly other creditors intentionally delay the process of forwarding debt to collectors like AscensionPoint, letting the accounts rack up extra late fees and interest. Bereaved persons like myself, who have taken on the extra burden of handling an estates finances often dont have the time to double check every little thing or the energy to dispute the debts theyre presented with. Im therefore sure many people will pay smaller amounts like this without question. The fact that this happens to me not once but twice is disturbing to me. The question must be asked : Is XXXX intentionally or unintentionally taking advantage of the recently bereaved by charging unwarranted late fees to the accounts of deceased persons?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX account : XXXX, and 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 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 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: Checking or savings account

On XX/XX/2022 I mailed my monthly mortgage payment to XXXX XXXX  in the amount of {$7500.00}. The check had not gotten their by the XXXX which is the grace period for my mortgage. I worked with my mortgage companies manager in some department to submit a lost request and was told they would look for the check. 
On the morning of Saturday the XXXX I noticed that yesterday on the XXXX my mortgage check was cashed. Now normally when my mortgage company cashes my check it shows as CHECK # ( Insert Applicable Check Number Here ) MORTGAGE SVC CTR CHECKPYMT ARC ID : XXXX and I am not able to see the image of this check. Now this check that was cashed on the XXXX appeared as just CHECK # XXXX and it allowed me to look at the image. I found this weird so I clicked on the image and upon viewing it saw the check was made out to " XXXX XXXX '' now when I wrote this check it said XXXX XXXX  on it not " XXXX XXXX '' I did however notice that my signature, date was the same. However the only other thing other than the name that was different was the memo. Normally I write my account number in the memo however this memo said " Maintaince '' spelled incorrectly I assume trying to look like Maintenance. I immediately called Chase and they opened an investigation. I was told that I had to wait for a declaration to be mailed to me in order for them to start processing the investigation. The declaration took a little over a week to come all that time I was still out nearly {$8000.00}. I ended up having to drain my emergency fund to pay the mortgage and that now means that if something happens to me that it would be disastrous as I have many bills. Chase then informed me after sending in the declaration that this take anywhere from 60-90 days. I was told on the phone by chase to take cash advances on credit cards or find other means to get money. This is absolutely a ridiculous thing to say to a long time customer and is extremely unprofessional.
Product: Debt collection

I received a call from XXXX informing me that they were attempting to produce paper work on me concerning a court order for a debt from a XX/XX/XXXX Bank Account that I had previously with Wachovia Bank, NA. This account was closed and I have a current account which lists me as a member since XX/XX/XXXX with Wells Fargo Bank NA. The woman whom I spoke with stated that she represented XXXX XXXX XXXX in California and that they would be processing the paper work to serve me either later today or tomorrow at work in XXXX, FL. The old debt was charged off by Wachovia, even before I left Georgia. She threatened that the judge would determine what I would have to pay and said that the balance was now {$2100.00} including court and legal fees. When I closed the old account is was due to a {$400.00} unpaid balance ... .certainly not over {$2000.00} I am appalled that someone would use these tactics to scare people into paying them.
Product: Checking or savings account

I have a XXXXXXXX XXXX  account where my SS and my retirement benefits are direct deposit. I XXXX to XXXX XXXX and live there. Usually 2-3 times a month I write a check for {$1000.00} from XXXX to deposit in my XXXX XXXX account XXXX If over {$1000.00} they charge a fee. For 6 years I have been doing this. XXXX XXXX freezes the deposits for 30 days to make sure they clear ( even though it clears in 3-4 days. ) The intermediary bank is BNYMELLON. I checked my account and the deposit was returned witha fee of {$20.00}! However it cleared XXXX XXXX! BNYMELLON sent the check back to XXXX XXXX saying there was an error in processing ( which they can not find the error ). BNYMELLON KEPTthe money and will not return it to XXXX. XXXX Bank traced it to BNYMELLON and requested from XXXX XXXX to return the funds. He refuses to acknowledge. 6 weeks this has been going on with no help from BNYMELLON. Im a XXXX XXXX and I live on that money and I can not make another deposit until the {$1000.00} is returned from BNYMELLON for fear it will happen again. The check # XXXX can not go thru again as it would be a duplicate. This is what XXXX told XXXX XXXX to do. XXXX said it wont work. The money BNYMELLON is holding needs to be returned to XXXX in my account. No one has ever heard of this before and I am in tears. Im XXXX and not in good health and this huge bank has my money and will not help. XXXXXXXX XXXX has tried everything. 
Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report.

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit.

If you can provide a cons of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry.

If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi guys how you doing, well what happened was that i saw my credit score drop XXXX points on XXXX XXXX so when i look in to it i saw XXXX new hard inquiries XXXX/XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX XX/XX/XXXX Please i need your help clearing this. I did not apply for or request credit from neither one. Thank you and Happy Holidays.
Product: Credit reporting, credit repair services, or other personal consumer reports

As is obviously well-reported, Equifax 's database on information was hacked and my personal information was included in it ( per their web site ). What is more, I went to the free annual credit reporting web site and for literally all of the 3 service providers where I attempted to get my credit report ( to ensure nothing fraudulent ) all of them failed, stating that there was a technical problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card has reported my XX/XX/2022 as late on both Transunion and XXXX. I spoke to an XXXX agent on or around XXXX and advised the agent that they wrongly reported my card payment late for XX/XX/2022, to both Transunion and XXXX XXXX He did research and agreed that this was an accidental error on XXXX end. He said he would note the account about this error and would try to get it corrected. I advised the agent that I would be also disputing this error with Transunion and XXXX. Which I did dispute this error on or about XXXX XXXX updated my report to XXXX being current on or about XXXX. Transunion updated my report to being current and ontime for XXXX on or about XXXX. My credit report for both XXXX and Transnion updated to XXXX being paid on time and my credit score reflected the correction. Assuming this error by XXXX Credit Card had been corrected I was happy. 

Then on or about XXXX, I get an email from XXXX saying the Dispute is complete. Thinking nothing of this, and that the issue was rectified given the update on XXXX I did not research this at that time. 

Then on or about XXXX I get an email from Transuion saying the dispute is complete, again thinking nothing of this I did not research it at the time. 

On or about XXXX I checked my Credit report and saw a major drop in my credit score on both Transuinon and XXXX. Admittedly I freaked and immediately researched the cause of this drop. My XXXX XXXX payment had reverted back to XXXX days late and XXXX was a missed payment by them. So on or about XXXX I filed a dispute with both Transuion and XXXX in regards to this error once again. 

XXXX completed the second dispute one day later on XXXX and now shows the XXXX payment as missed and 60 days late. Even worse now Transunion completed the second dispute on XXXX, and still shows the XXXX payment as missed and XXXX days late. 

I immediately called XXXX on XXXX at XXXX XXXX AM XXXX the call was approximately 13 minutes. and explained the situation. I was placed on hold for a period of time and The agent once again confirmed there was an error on their end and to quote the agent sent to the back end for correction my issue with this is the agent was very vague when I asked if this was from the previous call or this call.. The agent really didn't specify, I asked for an email confirming and stating this and the agents reply was it will take 60 days to correct this on the back end, then you'll get an email ( whatever that means ) Feeling as though, I couldn't just take this XXXX agents word I asked for the agents name ( the agent said her name was XXXX but then spelled it XXXX ) I asked for an employee number and the XXXX Agent Said her number was XXXX. I really dont have much confidence that I was even given an accurate name or XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXXXXXX is listed on my credit report and I have a hard inquiry from this. I do not have any knowledge of this account at all. 

The correct Information for this account is XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

National enterprise systems. They a debt collector. They call me non stop. I told them to stop calling. Im trying to set up payments. Consumer services XXXX and representative very rude. Trying to fix my mistake and suppose there to help you. Until they call you all hours of day and harass at work which told them they called. Then talking to real person nasty.
Product: Mortgage

Someone by the name of XXXX applied for a loan with XXXX XXXX and gave them my cell phone number. I have received dozens of calls from lenders as a result of XXXX XXXX sharing my cell phone number. I have been promised several times that my number would be removed from XXXX XXXX and the call would stop. This has not been the case as I still receive call to my cell phone XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX app says my score is XXXX. I go to a dealer, who runs a score through Credco, and they send my score back as XXXX through XXXX. I go online and get my XXXX score from them at XXXX, AFTER the dealer ran 4 scores ( I told them 1 or 2 max ) I called Credco to find out the discrepancy. She says they use a FICO score 5 and that's sometimes harder. Sends me to XXXX, I paid {$35.00} or so to see my XXXX report there and it STILL says a score 5 is either XXXX XXXX. I understand that different types of loans look at different things to decide whether or not to lend you money, but if they are telling you to go here and use this score number and it isn't what they sent, something is wrong. It cost me a few extra hard hits on my credit and a couple of percentage points in interest! Plus the {$35.00} to still be confused!!!
Product: Credit reporting or other personal consumer reports

I been at this address since XXXX  : XXXX XXXX XXXX XXXX XXXX, IL XXXX. 
The credit companies has multiple addresses I never live at. 

Collection/Charge-off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 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 items of information, other than records of convictions of crimes which antidotes 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.

I demand the collections be removed from my account immediately.
Product: Debt collection

Received a phone call from XXXX at my place of employment on apprx. XXXX/XXXX/2017, and it began just like this ... ..I answered the phone, the woman ( XXXX ) on the phone stated that she is calling to inform me that she is seizing my home and current vehicles for a debt that is said I owed. She further proceeded to ask for my bank routing and account information and credit card information to prevent her " field agents '' she has in the field from coming to my place of employment to arrest me and seize my property and banking accounts, or they 'll be waiting for me outside of my workplace to collect. 

I asked who was she and where is she calling from. XXXX stated that she is calling from XXXX and it 's the XXXX XXXX XXXX XXXX and she needs the money Now!. I asked that they not call my place of employment and gave another number to contact me. XXXX called that number and I asked for a " Letter of Validation '' be mailed to me to view said debt. XXXX stated that they do not mail letters and the only way to get one is through email. To date no letter has been received. 

On XXXX/XXXX/2017, I received another call at work from the collection agency using false pretenses. A gentleman caller said he was looking for me to repair a printer at my employer and needed to speak to ... ... ( myself ) to confirm repair. ( I work for a gov't entity and there is no need to contact me ). I asked for a name and phone number and he proceeded to say XXXX than he disconnected. 

*I 've asked that this company not to call my employer ; but continue to do so. 
* This company did not disclose communication that it was an attempt to collect a debt nor did they say the call was recorded or etc. 
*This company did not do any verifying of person they were trying to reach. 
* This company continues to harass me and use scare tactics and falsely claim to be other individuals or companies. 

I 'm scared out of my wits and the harassment and scare tactics are causing me undue XXXX.
Product: Mortgage

In  XXXX  we started the loan procees with empire financial. The agent was   XXXX   XXXX  . After a month, my husband an i found   XXXX   to be unresponsive, present false information and used harassment to try to gain documents from us. We found another lender and authorized a switch.  XXXX  then proceeded to call my work, cell and email me repeatedly. He then proceeded to harass my realtor and threaten her. He said he would hold the fha loan and keep it alive on his end. He would not release it to the new lender. For a month now my new lender has requested the fha case file 4 times.  Empire  refuses to release it and fha itself is trying to help. This is illegal. I also recieved a application release form from  XXXX  so they should not be holding this file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX To Whom It May Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

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

Subject : Dispute of Inaccurate and Potentially Fraudulent Accounts on Transunion Credit Report Dear CFPB, I am writing to formally dispute the following items reported on my Transunion credit file. These accounts and inquiries are either inaccurate, unverified, or potentially linked to a data breach affecting my personal information. I request that these accounts be thoroughly investigated and, if found unverifiable or erroneous, removed from my credit report immediately. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any inaccurate or unverifiable information on my credit report. Additionally, under 15 U.S.C. 1681e ( b ), Transunion is obligated to ensure the maximum possible accuracy of the data they report. 

Given the recent national data breach affecting credit-related institutions, I believe some of these accounts were fraudulently opened or inaccurately reported. 

Attached is my Transunion Consumer Report. 

Thank you for your immediate attention to this matter. I request confirmation once your investigation is complete and action is taken. 

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

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and detected. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction completed by me as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had Bank of America Fraud put on my credit on an account that closed in XXXX and I have had no accounts of bank of america in a decade. I had this disputed before and it had been removed. then years later its back on in a fashion ALL my banking got closed all at once, bill pay and everything, electronic receipts, and balance in my accounts sent to me in check form. No access to electronic receipts or ledgers.
Product: Debt collection

ARS is claiming that I owe them {$1200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

These inquiries are negatively impacting my credit score, these pulls were done without my consent. 
XXXX XXXX Inquiry details XXXX ( Retailer ) XX/XX/XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4