23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018 I received a phone call from a man who said he was calling from an attorneys office and during the phone call said that they could possibly garnish my wages and that I needed to set up a payment arrangement of 3 bi weekly payments of {$100.00} in order to avoid them garnishing my wages ( prior to this phone call I had never heard of this company or been notified via mail or phone that my file had been transferred to a collection agency ) .I asked my  girlfriend to call him for me because she works in the collection industry and understands the process more than I do. She was able to talk to him regarding my debt without me having to give authorization he asked her if the last 4 of my social was -- -- and asked her for my birth date and that is the extent of his verification, he after all of this told her that the call is recorded. She offered to have me get on the line and give authorization before he tried to verify my information with her, but he did not require her to do so. He told her first that their office doesn't make outbound calls after calling me not even 30 min before that. He also told her I owe {$310.00} and that I can make payment arrangements but that they have not attempted to take legal action yet. He claimed that he did not say they would garnish my wages but that if they decide to further legal action they could possibly do that after she told him she works with the legal department of a collection agency. He said his name is XXXX XXXX and the phone number she reached him at is XXXX he said his ext is XXXX. She attempted to call back about 5 min later to get the name of the company but no one answered the phone and the voicemail stated there name is Red Cedar Associates Llc. and that their office was closed. I feel extremely violated. Not only have they been consistently calling me and harassing me I felt he was trying to intimated me or threatening me. I want him to be aware that the way he went about this call was not OK and from what i saw online a lot of people complain about this company threatening them and harassing them and believe they need to be held accountable for their actions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX i sent my XXXX disputes letters No action was taken XXXX. The company did not process my disputes at all.i spoken with XXXX of the agents who verified that.
Product: Checking or savings account

Chime has suspended my account due to large amount of deposit which was sent over for my taxes when notified me of suspension i sent over numerous of documents for days waiting on a response including my tax XXXX and picture of the date that the irs notified me that my taxes will be in my bank a picture of me holding my id, picture of id front and back proof of address and no one has yet respond or contact me. Which they notified me within 2-4 days i would be! I have had the ticket escalated through numerous supervisors as they stated i should be have been contacts and they put it at high priority. I have repeatedly emailed the support and review team and keep getting automated messages i just want my account unsuspended to take my business somewhere else because there review team has no sense of urgency while holding peoples money that they depend everyday on!
Product: Credit reporting

I never lived on XXXX XXXX. My sisters name is on my credit report. XXXX XXXX is my little sister
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 


Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX I do not wish to have any telephone numbers on my report. 

Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the XXXX XXXX XXXX, and thus they are not reportable as per the FCRA, since they are not accurate. 

Sincerely, XXXX XXXX
Product: Debt collection

PNC keeps sending mortgage bills for a property that we do not own and have never owned or been associated with in any way. 

Even after multiple phone calls they refuse to fix the situation. 

We sold our home in Kentucky in ( the mortgage was held by PNC ) and we relocated to XXXX and now at my new address I am receiving someone's mortgage bill who lives in Tennessee addressed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEBT IS MORE THAN 7 YEARS OLD AND TOO MANY INACCURACIES EXIST.
Product: Credit card or prepaid card

I have been a XXXX XXXX for over 50 years used XXXX XXXX i was going out of XXXX was told to cancel and pay off which i did, i just got back and asked for a new card as XXXX  left XXXX  and accounts were sent to UpLift aka XXXX XXXX  the company says i have adverse action i do not, As a XXXX Veteran i feel I am being discriminated against. 

UpLift and XXXX Bank have continued to mislead and lie to me
Product: Debt collection

XXXX XXXX XXXX was a company that was managing a townhouse that I was renting previously in XXXX XXXX, Florida. My sister was the last tenant occupying the premise. 

A third-party collection agency called me stating that I have an outstanding balance where I asked for proof since nothing was sent to me by email, mail, or any form of communication. I emailed both the collection agency, Hunter Warfield and XXXX with no reply back to my email from XXXX XXXX XXXX 

I called and spoke with an agent from the collection agency and explained the matter and he stated that I need to pay them to resolve the matter. Nothing was ever communicated and no one contacted me. Now, I have an outstanding balance on my credit report from this. I have the email chains from the management company and collection agency that never replied. I can forward if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband had a credit card with XXXX XXXX XXXX. he opened it in XX/XX/XXXX. I never co signed on this account, I never had a credit card to this account, don't know the credit card number or verbal password to the account. My husband 's daughter got power of attorney over her dad and then he passed away on XX/XX/XXXX. That's when I find out my name was put on this account without my permission. I have tried on countless occasions talking to XXXX  XXXX XXXX about this matter and they will not listen to me. I keep telling them it was fraud what my husband did. they keep telling me I owe this money on this account in which I never had a credit card to. I never made purchases with the credit card, because I never had one. I guess the credit card is with his daughter in XXXX where she lives. I have talked to XXXX XXXX XXXXXXXX about it and they want to argue with me and say I am reliable for it. my step daughter used this credit card 2 days after my husband passed away. I am a XXXX woman who can hardly walk and they are treating me horrible. and because they wont listen my credit score is dropping. Like I said I had nothing to do with this credit card. please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ATTEMPTED TO FILE A DISPUTE WITH XXXX IN REGARDS TO AN ACCOUNT THAT THEY HAVE LISTED ON MY CREDIT FILE. THE ACCOUNT IS LISTED AS " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
THIS ACCOUNT IS TOO OLD TO BE LISTED ON MY CREDIT FILE AND XXXX REFUSE TO REMOVE IT. WHEN IT ATTEMPTED TO HAVE IT REMOVED, XXXX STATED THAT THEY WERE UNABLE TO INVESTIGATE THIS DISPUTE. TECHNICALLY IT IS NOT A DISPUTE, IT IS A REQUEST FOR THEM TO REMOVE THIS INFORMATION PER THE FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a mobile home company called XXXX XXXX an filled out an application for a new home, by application was sent to 3 banks. South west Stage fund was one of the companies that received my application and reviewed credit report on XX/XX/2018. it was a week and I called the sales representative to find out about the status of my application, I was told that my application was sent to South west stage fund he gave me their customer service number, I spoke to a credit representative that went over my application and asked my several questions , he pulled up my credit report and went over my debt to income. Then I was told that I will be notified , well I waited a few more days and I called XXXX XXXX again and told him what was going on, he said that he will call South west stage fund and stay on the line together. we was transfer to a supervisor because the representative that was handling my loan application denied my application and terminated his position or went on vacation that day I'm not sure everyone was talking so fast. when XXXX XXXX and I disconnect the call we were very upset about the way my application was handled unprofessionally , so my application was sent to XXXX XXXX that same day and was approve for $XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is still reporting late after payment plan and agreement was set up
Product: Credit reporting

To Whom It May Concern : I had a collection debt put on me by XXXX XXXX XXXX in XXXX, this account ( {$870.00} ) was paid in full in XXXX XXXX. When checking my credit report this account still shows up on my credit report as a correct account. How long does an account stay on your credit report before it is removed. I thank you for looking into this matter.
Product: Credit reporting or other personal consumer reports

Whom It May Concern, I am writing to formally dispute and request immediate action regarding an inaccurate auto loan that has been re-added to my credit report by Equifax. Despite this account being previously removed, it has now reappeared on my credit report, which I find unacceptable and damaging to my credit standing. 

The auto loan in question is with XXXXXXXX XXXX  and it was resolved and removed from my credit history on [ XXXX XXXX AND BACK ON MY CREDIT XXXX XXXX I do not have any outstanding balance or obligation related to this account, and its reappearance on my credit report is a clear mistake. 

I kindly request that you : Investigate this matter immediately. 
Provide a written confirmation once this erroneous account has been removed from my report. 
Ensure that no negative marks associated with this loan are impacting my credit score. 
I have attached copies of relevant documents, including previous correspondence regarding the removal of the account and any supporting records to verify my claim. Under the Fair Credit Reporting Act ( FCRA ), I expect a timely investigation and correction within the 30-day period as required by law. 

Please acknowledge receipt of this complaint and update me promptly on the status of the resolution. I trust this issue will be handled with the urgency it requires, as it is affecting my financial standing. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I discovered two Wells Fargo accounts on my credit reports that I believe were either opened without my full consent or mishandled in a way that caused long-term credit damage : 1. Account opened XX/XX/year> This was opened during the height of the Wells Fargo unauthorized account scandal. I do not recall authorizing this account. It was later charged off, resulting in negative reporting and credit harm. 

2. Account opened XX/XX/XXXX, XXXX This was closed and charged off within just 5 months. I was never properly informed of terms or disclosures. It reported as a charge-off and caused further damage to my credit. 

I contacted Wells Fargo to ask if I was eligible for remediation, documentation, or account verification. They told me I did not qualify, but offered no documentation, proof of consent, or resolution. I am requesting : - Immediate investigation into both accounts - Copies of signed applications or digital consent records- Removal of any unverifiable or unauthorized accounts from my credit report - Refund of any fees or interest if accounts were opened without full authorization - Confirmation of whether these accounts were reviewed as part of prior Wells Fargo remediation programs I believe this situation is part of the broader Wells Fargo misconduct that affected millions of customers and I request CFPB assistance to resolve this fairly and urgently.
Product: Debt collection

Midland Funding has 3 accounts listed on my credit report that have not been verified. I wrote a letter on XX/XX/2019 to Midland Funding requesting them to provide me with validation, made pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with the corresponding local state laws. They have continued to attempt to collect debt with failure to provide verification under the Fair Debt Collection Practices Act and have RETALIATED WEEKLY increasing the balance owed after they received a second letter, written on XX/XX/2019, from me requesting this same verification. This RETALIATION has resulted in a credit score DECREASE. I would like the 3 accounts with Midland Funding to be removed from my XXXX XXXX and XXXX report.
Product: Debt collection

In XXXX I lost my job and couldn't pay on an unsecured installment loan from HSBC. I had been making payments up until the point I lost my job so the balance owed was only {$2900.00}. It went into Collections where XXXX XXXX XXXX ( XXXX XXXX XXXX ) took over for recovery. They then put a judgment on me. I had signed a confession of judgment which I would it was my bill and made arrangements with them to take {$50.00} a month out of my check. This went on for 5 years from XXXX XXXX. I had paid them {$2700.00} over that time and they stopped taking money out of my bank account so I thought the bill was satisfied. It was only until this month XXXX when I tried to refinance my home that I found out they had put a {$4000.00} lien on my property. I called XXXX and tried to find out why. They had advised me that I defaulted in my payment arrangement by not recertifying with them to take money out of my account which I have never done for the 5 yrs they were doing it. They said I was sued ( with no notification or summons for me to appear in court ) and pre-judgment, post judgment plus other fees were added totally now {$4600.00}. 
I was very upset since I cooperated fully with repayment and was doing my part to clear up this debt. I am also very upset that paying in good faith they could not settle the balance owed as paid in full as a lot of creditors do since the left balance was only {$280.00}. I tried to explain that I DID NOT default in my payment arrangements but THEY DID by stopping my payments. They were uncooperative as to helping me rectify this as I pleaded since the balance was only {$280.00} I would pay and they could take lien off and they told me they could not do that because now the creditor wants all their money. I am very upset and would so like to clear this matter up. I do not have {$4600.00} and feel THEY defaulted me and THEY SHOULD clear this up for me. 
Please help.
Product: Credit card or prepaid card

Someone needs to call me from the corporate offices of Wells Fargo about the staff in your applications department. I have attempted repeatedly to get ahold of them and they have not let me speak to them and I keep getting agents off shore.
Product: Mortgage

This is XXXX complaint : today I found out the Bank of America received a property tax refund on XXXX XXXX XXXX in the amount of {$1000.00} for XXXX tax pre fund. We also have at least XXXX other refund for the year XXXX - XXXX due to my husband XXXX Veteran XXXX and other qualification. The B of America representative told me that this process can take up to 3 months to refund the money. I have been working on this since XXXX XXXX. My husband has a XXXX in XXXX XXXX & we are in a financial hardship ; Bank of America know this. They have charge us XXXX of dollars in excess overdraft fees and if we would of received the money on a timely basis this would not of occurred. They are earning millions of dollars in earnings credits. Hoe can a refund take 3 months? In addition theses refunds will lower my mortgage payment & apparently they do not want to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries XXXX of XXXX please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Product: Checking or savings account

To whom it may concern : On Friday, XXXX/XXXX/XXXX I received a text message from an acquaintance of mine, jokingly asking if I would be sharing with him a recently issued {$350.00} new-account bonus. I was both surprised and angered that he somehow managed to get this information. Upon asking him how he learned that I recently received such a bonus, he replied that an employee of HSBC Bank in XXXX XXXX disclosed this information to him. 

I immediately called the branch and spoke with XXXX XXXX XXXX banker who allegedly disclosed my account information to a third party without my consent, verbal or written ). I have an individual checking account with HSBC and never had anyone else on the account. Nor was I ever asked or granted permission to share my account information with anyone other than myself. 

XXXX XXXX immediately admitted to making a mistake in sharing my account information with a third party, and apologized for doing so. I was so angry that I hung up on him. I collected myself and called him again. This time he was away from his desk, but another employee promised to have him call me back, which he did promptly. 

During our second conversation, I apologized to XXXX for hanging up on him, however I made it very clear that I was extremely upset that he - or any other HSBC employee - would ever disclose private banking information to anyone unauthorized to have such information. 

Again, XXXX apologized and admitted to his mistake. His apology seemed sincere, and my prior interactions with XXXX XXXX all via telephone ) were always very pleasant. XXXX was the only employee at the XXXX XXXX branch of HSBC who always seemed genuine. He was easy to communicate with, he was prompt in his replies, he was courteous and respectful. He was the last person whom I would ever imagine doing something like this. 

I truly believe that XXXX is genuinely sorry for disclosing my information. I know he regrets doing it. In the end, him sharing this particular bit of my personal account information with my acquaintance did no physical or financial harm to me. Yet, I feel betrayed and violated, and I hope that this does not happen to another customer, with potentially much more serious consequences. 

My hope is that HSBC takes this incident as a learning opportunity for itself and its employees. I hope that some educational material is distributed to its employees for review and acknowledgement. I hope that XXXX does not get severely disciplined for his actions and is given a chance to continue to work for HSBC. I wish him the best, but I also want to ensure that other customers ' privacy is protected moving forward. 

PS - I am not sure if branch phone calls are recorded or not, but I will gladly provide the exact times of when these phone calls took place.
Product: Vehicle loan or lease

I bought the car Contract Date : XXXX. XXXX XXXX XXXX I as the maturity date on the car is now showing XX/XX/XXXX due to consumer making non-requested extensions on this loan. Amount Financed : {$13000.00}. 

Per the company as of XX/XX/XXXX : Thank you for validating your account information. I wanted to reach out to you in reference to your concern about your account. Currently your payoff if paid today it will be {$10000.00} which this includes interest accrued of {$970.00} and your principal balance being {$9900.00}. You have currently paid {$110000.00} in interest and {$3100.00} has applied to principal balance. You are accruing daily interest on your account. I can send you a copy of your contract if you would like. 

SO I HAVE PAID OVER THE AMOUNT CONTRACTED BY NEARLY {$1100.00} AND THE COMPANY IS INDICATING I STILL OWE THEM AN ADDITIONAL {$10000.00}. OVER {$11000.00} WAS APPLIED TO INTEREST WHEN THE CAR WAS FINANCED AT {$13000.00}. TO PAY {$10000.00} PLUS THE {$8000.00} IN REPAIRS REQUIRED THATS OVER {$32000.00} ON A XXXX XXXX XXXX I WITH XXXX, XXXX MILES.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the XXXX Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.