23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX moved to my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Tx XXXX XX/XX/XXXX Had to cancel my service with XXXX The couldn't provide internet to my area I signed up with XXXX XXXX {$25.00} text/talk/data with 3GB Hotspot I then called all the internet providers in my area XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX etc . but none of them could provide internet to my address I still don't have internet service XXXX almost 1 year later A letter was sent to my emergence contact with my name dated XXXX from Credence Resource Mgmt. XXXX XXXX XXXX XXXX XXXX, TX. XXXX stating I owe XXXX {$100.00} service date XX/XX/XXXX I called them but they couldn't give any information what the service was for. I have never had an account with XXXX  only a conversation by phone XX/XX/XXXX XXXXcalled The FCC XX/XX/XXXX I filed a complaint with The FCC Ticket # XXXX XX/XX/XXXX Called XXXX but they insisted they couldn't give me any information because it was sent to collections We went round an round but to no avail This same day Credence Resource called me and stated I had to pay the debt or fill out a police report for Identity Theft I told them I would do neither This is simply a mistake. ( They sent the form anyway My emergency contact received the forms XX/XX/XXXX ) XX/XX/XXXX! year later XXXX XXXX office called She kept asking for my Soc. Sec. # I was willing to give my last 4 numbers because if I had an account with XXXX  they should have it She said she couldn't talk to me without my Soc. Sec. # and we went round and round I told her I wouldn't give out any more information they should have and the call ended. 

XX/XX/XXXX Called Consumer Finance ( you ) and was given information about how to file this compliant I don't owe XXXX anything I have never had an account or service with them I have never defaulted on any debt I have never paid any bill late I I have never had an XXXX  I have been with XXXX Since XX/XX/XXXX XXXXXXXX is trying to extort money from me holding my credit score hostage Everyone uses your credit score for little things like renting an apartment. I'm XXXX XXXX XXXX
Product: Credit card or prepaid card

I reported a Fraudulent account being opened in my name at TD XXXX  ( XXXX XXXX XXXX ) re : XXXX  XXXX  on XX/XX/2020. I can not find a way to communicate with this entity to resolve this matter. I initially communicated verbally to the customer service department on XXXX and reported the fraud, they in turn opened a fraud case and told me the account was blocked. I submitted by mail to TD XXXX, the Federal Trade Commission Identity Theft report with proof of identity and all associated documents to support my position and fraudulent account. Note, at this time XXXX monies were drawn on the account. Since then, unknown to myself, the account had been released and monies were dispersed. As of XXXX the account is in default and TD XXXX  is reporting this negative information to the credit agencies against my credit. Since that date I have tried countless times to communicate with TD XXXX  Customer Service @ XXXX, being left on hold for hours, as long as 4 hours, for weeks unanswered or being answered and then subsequently disconnected. TD XXXX  is virtually impossible to contact anyone who can assist to resolve the matter. I have mailed hard copies for a second time requesting this account be removed from my credit, still no answer in any form. Finally, today XXXX I was answered and during the call I was told the agent was unable to help and indicated I would be receiving something in the mail, sent 10 days ago, then the call disconnected, without a resolution or callback. I have been told from every person at every available phone number for TD Bank ( I'm assuming the parent company ), this is the only phone number and department who is able to help. Obviously, this is a bank and credit card company who doesn't care, regardless of the consumer conscious, and quality of service messages which are played while on hold. I did my due diligence in XXXX to protect TD XXXX  's interest 's and unfortunately, no one was paying attention, and still isn't.
Product: Debt collection

They call from an " Unknown '' number multiple times a day, every day. Sometimes even on Sundays and After 9pm and before 9am sometimes. When I talked to them about it the girl on the phone was extremely rude and kept saying she didn't know what I was talking about and would interrupt me.
Product: Mortgage

I was put on a forbearance plan until XX/XX/2020. When I tried to make a payment on XX/XX/2020 the representative who took my information told me he was unable to reprocess the payment due to an error on his end and put me on a deferment without my consent. I am in the middle of refinancing my property and the deferment they put me on is stopping me from doing so. Ive reached out to several departments including their loss mitigation department and no one is willing to assist me. I keep getting a run around and being told that someone will call me back, and nobody has called me back. I need to resolve this issue so Im order to refinance and not have to pay penalties or extra points
Product: Consumer Loan

I have made my payments of {$670.00} on time or ahead of time, example on XXXX XXXX 2016 my payment due for XXXX XXXX was paid, Principal and Interest was paid. So I tried to be proactive so on XXXX XXXX I made my payment due for XXXX XXXX again Principal and Interest was paid. Now according to the receipt my next payment was due XXXX. This is where I have asked this Company to explain what happened with this payment. On XXXX I made my payment due XXXX ahead of time. When Sat down to review my payment tracking I noticed that my entire payment of {$670.00} was placed in Interest only and nothing to principal. I spoke with the manager and she gave me two versions as to what might have happened, one reason was a computer glitch and the other one was that they had paid to much to principal when the interest should have been more in the month of XXXX XXXX. 

No response from District Manager when I have left two phone call messages in mid XXXX and no response from the Home Office when I emailed a complaint late XXXX asking for some kind of explanation or understanding as to what happened here. My understanding is if my payments is a set amount of {$670.00} and I am paying ahead of time I do n't believe I should have any uncollected Interest or a whole payment going towards interest. I do n't know, that is why I asked them to give me an answer. Because it seems like If I 'm only paying interest ahead of principal I will never pay this loan off. Now on XXXX XXXX my payment due for XXXX XXXX was paid ahead of time and just like my other payment ( except XXXX ) principal and interest was paid. I do n't think I 'm asking for too much to know where my money is going. I have been waiting a month to hear from the home office and longer from the District manager. Never missed a payment, never late has the making of a responsible customer and this is has I get treated. To me when you avoid talking to me that 's a sign that something is not right. I have my receipts as evidence to help figure this out, like I said I 'm not a financial wizard, I may be wrong but I would feel better if I got a better explanation than the two that I got from the store manager. Thank you for your assistance in this matter.
Product: Consumer Loan

I have requested both XXXX XXXX XXXX XXXX and Calvary Portfolio to provide me proof with the VIN # to the vehicle that they are reporting as charged off. They have refused to provide me a the vehicle identification number that is assigned to the account.
Product: Mortgage

I was fined because BSI couldn't be bothered to deposit my check. Every check in my sequence was deposited by all vendors by XXXX, they didn't deposit the check until XX/XX/20 and fined me {$63.00}
Product: Debt collection

I have checked my credit report and information on there are incorrect information accounts open that were not me. And there are several addresses that are wrong. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2022 my vehicle was broken into. An individual had stolen my debit card, license, license to carry card, multiple items and belongings, including any credentials that obtain to me and my well being. On the same day of XX/XX/XXXX I had found out my debit card was fraudently used in a quick manner and the individual ( whom I don't know or have never met ) spent over XXXX $ at multiple stores and local businesses. On the same day I reported the fraudent charges to my bank immediately and before a day had even passed. I also filed multiple police reports at different police stations near and in my town. I told the bank I never gave my pin to a friend, family member, nor a stranger. I also told santander bank that I never wrote down my pin anywhere. Although I obtained footage of the fraudster using my card at a local mart and provided the bank with 3 police reports, my claim was denied. The fraudster was also caught and arrested and my cards were recovered. Although the bank knew of this, they did not complete a thorough investigation. They denied my claim within 5 business days and never reached out to me once for any additional evidence that I had. I was also denied a provisional credit. They completely closed my claim. I have been banking with then for years, and I'm deeply hurt and disgusted. I would like to request help in obtaining my funds back.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXX XXXX XXXX XXXX. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

I am filling FTC Identity Theft to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. CREDIT CARD opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that XXXX XXXX  activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Mortgage

On   XXXX   XXXX   XXXX    , I opened an HELOC with PNC Bank. Many things went wrong on closing day : no one ready at  PNC  branch, no documentation ready in spite of weeks of advance scheduling, long wait time at another  PNC  branch..     I was told then that if I opened an checking account with PNC Bank, my interest rate would be lowered. I was told also that since I had no time to open that checking account on that day ( plane to catch ) I could come back later and open the account and then get the interest rate discount.     Today   XXXX   XXXX  , the same  PNC  Bank branch employee tells me it is no longer possible to benefit from the discount. I would have had to open the checking account on   XXXX   XXXX  .     I was clearly promised something on   XXXX   XXXX  . I am denied it on   XXXX   XXXX   XXXX . The reason I did not open the account on   XXXX   XXXX   was the delay caused by the breakdown in PNC Bank closing promise.     I add that other breakdowns have occurred since the HELOC was openened : I was mail a check book for the HELOC with an account number missing  two  digits. I complained and was told  PNC  Bank deliberately issues check books with missing digits! My account number is therefore not the account number as it appears on the book! Odd?     What should I do?     I am at your disposal for any documents related to this complaint.     Cordially,  XXXX   XXXX
Product: Debt collection

I am a XXXX XXXX XXXX XXXX XXXX and I haven't lived at this location. I sent them proof of where I live. They claimed they verified it is me. They say I owe a balance of {$650.00}. I just want this account removed from my account
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX asking all 3 data collectors XXXX, XXXX, and Transunion advising that there were many accounts showing errors and inaccurate information on my reports. I provided specifics and in return, I was sent an updated copy of my credit reports just saying verified, but no validation was sent showing how they verified. No contract for me to verify if it's my signature or not. This is not the correct way to do this validation on account of the FDRCA. I was to be sent a copy of the original contract showing my signature. I have also sent another letter to all 3 bureaus today XX/XX/XXXX addressing the same things.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX 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 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 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 or 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

Finding inaccurate accounts on my credit report today was both shocking and distressing. My regular checks have always been fine, so I was unprepared for this. After refreshing my browser and seeing no change, I realized it wasnt a glitch. I need my documents carefully reviewed so this problem can be fully resolved.
Product: Payday loan, title loan, or personal loan

Im not aware of where the debt came from, but I paid it off just to get it removed from my credit report, and theres been several changes made to the account but never Been removed like it was supposed to be. The dates arent even the same on one report
Product: Prepaid card

On XX/XX/2023, I used my Money Network card to purchase {$20.00} from a XXXX ( XXXX XXXX ) reload kiosk. The machine displayed that the transaction was unsuccessful. So, I went to the another kiosk a few minutes later and tried again to load {$20.00} on my bus card. This second attempt was successful. However, when I checked my Money Network ( MN ) account balance, I realized my account had been deducted {$40.00}. I called the company and was told the transaction was pending and the {$20.00} should be put back on my card within 3 days. It never happened. I called XXXX and filed a dispute form. I, also, called MN and asked them to send me a dispute form. They said they would mail the form and once I received it, I had 10 days from the day of my call to fill out the info and mail it back. I never received the form. Instead, I received an email stating that I needed to confirm my address because my letter was returned to them. I called and gave them my address again. The representative said the address I gave was the same as on file. I asked her to resend the form. I received the form on the 9th day! I didn't fill it out ; I called instead. The rep said the investigation would still take place without the form. Soon after, I received a letter from XXXX stating that they never received the {$20.00} from the unsuccessful transaction. The investigation was over and my claim was denied. I received a letter a few weeks later from MN stating that my claim was denied because they needed more proof. I called the number on the form and tried to enter the extension but, there was no option to put in the extension. I called them and told a rep this was a computer transfer and I had no way of sending any further information. MN is refusing to refund me for a unsuccessful transaction in the amount of {$20.00}. I recently read some reviews on this company and realized I'm not alone. Many complaints about not receiving refunds for unsuccessful and unauthorized transactions. They have a one-star rating.
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 XXXXXXXX Subject : Notice and Demand for settlement of Unauthorized Inquiry on Consumer Report under 15 U.S.C. 1681n Dear [ XXXX XXXX XXXX ], I am writing to notify you of unauthorized inquiries made on my consumer credit Reporting Act [ FCRA ], specifically under 15 U.S.C. 1681n. The FCRA protects consumers from unauthorized access to their credit reports, and I have identified that you made an inquiry without my authorization or a permissible purpose under the law. 

The unauthorized inquiry occurred as follows : .Inquiry by : [ XXXX XXXX XXXX XXXX .Date of Inquiry : [ XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, any person or entity that willfully obtains a consumer report without a permissible purpose is liable for statutory damages, actual damages, punitive damages, and attorney 's fees. I demand that you immediately take the following actions : XXXX. Remove the unauthorized inquiry from my consumer credit report with all credit reporting agencies where this inquiry appears. 
XXXX. Provide me with a written statement verifying that you had no permissible purpose or authorization for accessing my credit report. 
XXXX. Settle this matter by compensating me in the amount of [ Specify Amount ] to avoid further legal action. 


I am providing you with a copy of my credit report, highlighting the unauthorized inquiry for your review. If I do not receive a satisfactory response within 30 days of receiving this letter, I will pursue legal action for damages as allowed under 15 U.S.C. 1681n, including actual damages, statutory damages of up to {$1000.00}, and punitive damages. 

Please consider this notice a formal demand for the immediate resolution of this matter. Failure to respond or provide proof of permissible purpose may result in a lawsuit being filed against your company. 

I look forward to your prompt response. 

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

To Whom It May Concern : I am writing to request a security freeze on my consumer credit file and a certified copy of my complete consumer report, as permitted under the Fair Credit Reporting Act ( FCRA ). 

The primary purposes are to prevent unauthorized access to my credit information, protect against potential identity theft, and obtain a comprehensive review of my current credit status. 

I am specifically requesting a complete and certified consumer report that includes all comprehensive details maintained in my file. This should encompass a full overview of my credit accounts, detailed inquiry history, personal identification information, and any additional notations or remarks present in my records. 


Identifying Information : Full Legal Name : XXXX XXXX Current Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/year>XXXX  Social Security Number : XXXX Please send all documentation via certified mail to the address listed above. I request written confirmation within 3-5 business days. 

My goal is to exercise my legal rights and protect my personal financial information. 


Thank you for your prompt attention to these matters. 

Enclosed Verification Documents : Government-issued photo identification with current photograph Official proof of current residential address Additional supporting identification materials
Product: Mortgage

In XXXX 2015 I submitted all documents to apply for a HAMP with Caliber Home Loans. There has been numerous correspondence with Caliber by phone, email, upload of documents and viewing the website for updates on where we stand. Now five months later on XXXX XXXX one of there XXXX reps stated they will not except the numerous additional documents I uploaded to my caliber account. They stated the documents could not be pictures of them uploaded as I did with many of the most recent ones, going back to XXXX. As I understood, I asked why on XXXX XXXX is it the first time I was made aware of this. Many other XXXX have viewed these documents as I wanted to verify they received them, and only once did a XXXX have me resend a paystub, that he could not read, using this same method as I was on the phone with him. This XXXX received the paystub as I was still on the phone with him and viewed it and confirmed it was received and legable. On XXXX XXXX I then scanned the whole package along with more than requested paystubs to pdf files and emailed them to the email provided for loan modification documents. On XXXX XXXX, 8 days later, I received a letter from caliber stating we were denied the loan modification with a denial reason, that I did not provide caliber with the documents requested. Also I could appeal there decision by XXXX/XXXX/2015, which is 9 days from now. Unfortunately the communication piece is difficult as you are not speaking with underwriting who are handling all the documents. There was never a time lapse of more than a week in providing documents requested. I did have to call on many occasions to let them know the documents were there and had been there for 1-2 weeks. In the beginning of this process our overdue balance was XXXX and our full monthly payments were denied and returned to us resulting in a overdue balance of XXXX. This is my home that I take very serious and would like to resolve my debt more than anyone. My local HUD counselor advised that I file this complaint.