23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have an old XXXX from Simmons Bank that I haven't touched for years. Over the years, I've tried to login or call to manage the account, but it has been so difficult that I've given up. I think the difficulty is intentional, because every month the company charges me {$3.00} to send me a paper statement, which I never wanted. Every month they also charge me {$3.00} as a " service charge ; '' my other XXXX  don't have such a charge. Lately they've also been charging me a {$10.00} " dormant account '' fee. Over the years, they've bled a {$700.00} account down to zero. This is supposed to be a savings vehicle, but Simmons Bank has used excessive fees to take all my money. 

Now I'm trying to figure out how to close the account, so that they don't start charging me money! I figured out how to login to the online portal, but there were no options to close my account, make it non-dormant, or even request the paper statements to stop. They list a phone number for help. When I called, none of the options were about XXXX. When I tried to get to an operator, the menu options circled around to the initial menu. I can't figure out how to close this account, and get this nightmare to end.
Product: Debt collection

I am filing a formal complaint against XXXX XXXX XXXX and Credit Control LLC for ongoing violations of the Fair Debt Collection Practices Act ( FDCPA ). The issues are as follows : XXXX. In XX/XX/year>, I sent a debt validation request to XXXX XXXX XXXX. Rather than responding as required by law, XXXX XXXX XXXX transferred or assigned the debt to XXXX XXXX XXXX. XXXX also failed to provide the required validation documentation. 
XXXX. Despite not validating the debt, XXXX XXXX XXXX continued to report the account on my credit report, violating my consumer rights. 
XXXX. On XX/XX/year>, I received a letter from Credit Control LLC regarding the same debt, which appears to have been transferred to them. They are demanding payment without providing sufficient validation of the debt, even though I have disputed its legitimacy multiple times. 
XXXX. This pattern of behavior has created confusion and distress, as these companies continue to report this debt inaccurately and harass me without providing the legally required proof.
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 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 please delete all other addresses on my report besides XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On going dispute with Transunion in regards to their handling of a Validation letter sent from creditor XXXX XXXX stating they were unable to locate my account. This has been ongoing for about 3 months, Transunion has removed then added, then removed and added the account again repeatedly to my credit account negatively affecting my score. They will send an investigation stating it has been deleted only for it to show back up two weeks later. The improper handling of this has caused my great stress and anxiety. I would appreciate the matter to be fixed as I get no where when I call customer service to speak to some one about the issue.
Product: Student loan

Discover Student Loans will not give me the name and address of an agent for a service of process in California so that I can initiatiate an adversary roceeding.
Product: Mortgage

Originally our loan was with XXXX XXXX XXXX # XXXX. In XX/XX/XXXX, I lost my job -- -I had been working as a XXXX for the XXXX . XXXX and due to the reduction of XXXX XXXX in XXXX I was laid off. We knew we would not be able to make our XX/XX/XXXX payment so we reached out to a Housing Counselor at XXXX XXXX XXXX XXXX. We were approved for the Trial Modification Payments on XX/XX/XXXX by XXXX XXXX. In the process of the Trial Payments, our loan was transferred to Loancare. Now a new loan number and to continue the Trial Payments -- all payments were made as stipulated in the Modification Trial Plan Notice that had been approved by XXXX XXXX. ( See all backup information attached ) Payments were {$1000.00} plus a {$15.00} processing fee added every time we made our payment for a total of {$1000.00}. In XX/XX/XXXX we were told that our XX/XX/XXXX payment was past due, how can that be we have made our payment ( see bank statements showing debit by Loancare ) It seems that they went back to the XX/XX/XXXX payment which we knew would be late and the reason we requested the assistance. Loancare stated XX/XX/XXXX payment went to XX/XX/XXXX and XX/XX/XXXX went to XX/XX/XXXX, and so on. The whole reason for the DENIAL of the Modification we were told had nothing to do with the payments but with the Debt to Income Ratio was too high -- -Now I ask you this, if it was not approvable why did XXXX Approve us? Is not the servicing entity supposed to honor the approve modification by the original lender? I believe it should be that way. Please help clear this up -- we are now considered late and back to the original payment of {$1300.00}. This is not good practice -- plus this is an FHA Loan and they should be able to file a partial claim to bring us current and to the original approved modification payment.
Product: Debt collection

I was stunned when I discovered a collection account on my credit from AWA collection. I don't know what the account is for and I never received notification from them about the debt. I have sent them several certified letters from my local post office and I have not received a response.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # : XXXX XXXX XXXX # 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: Credit reporting, credit repair services, or other personal consumer reports

This company contacted me in regards to a balance owed to XXXX XXXX XXXX  I expressed that I never had any business with this company and demanded that I see a contract with my signature on it, they refused and instead sent a bill. This account does not belong to me as I stated several times.
Product: Checking or savings account

Dear Navy Federal, I hope this message finds you well. I am writing to address a concern regarding my account, as I believe there may have been an error on your end. Last year, I initiated a pledge loan for {$30000.00}, and at the time, the funds were present in my checking account. However, I have since noticed that the {$30000.00} has been debited from my account, and the pledge loan has been removed. 

According to your records, I now purportedly owe {$13000.00} to settle this debt. Given that I frequently engage in substantial financial transactions, including trading in cryptocurrency and stocks, I possess a documented history of such activity. I am uncertain as to the origin of this discrepancy. 

I am kindly requesting a comprehensive investigation into my account pertaining to the missing {$30000.00}. Should this matter not be resolved in a timely manner, I may regrettably be compelled to pursue legal action against Navy Federal in order to reclaim the funds owed to me. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I have had over {$66000.00} of capitalized interest added to my student loan balance over the past 7 years - all because I didn't do my yearly recertification for my income driven repayment plan in a timely manner. I understand that I must take some responsibility for failing to do the recertification, but I think that nearly {$70000.00} added to an account without any recourse is insane. I have continued to make my monthly payments, but I was ignorant as to why my account balance was going up until now. I spoke with XXXX and XXXX at FedLoan servicing on XX/XX/2019, and they informed me that there is nothing they can do. 

The notices they send out for recertification indicate that capitalized interest may be added to the accounts. It doesn't indicate the amount or that it is a guarantee. Worse, it doesn't list an amount of interest that will be added for failure to recertify. I should've asked questions before today, but this practice has to stop. I work hard trying to do the right thing and pay my loans back, but under this system, I will be paying forever. I hope that someone can look into this if not for me, then other people to come.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

When checking my credit report, I noticed a new credit card account : USAA Saving Bank. This account was fraudulently opened in my name. The account shows an address of XXXX XXXX XXXX XXXX. XXXX, CO. I've lived at my current location since XXXX. I did not open this account.
Product: Mortgage

My original servicing agent XXXX when bankrupt and ceased servicing my mortgage on XX/XX/19/ Loancare LLC ( " Loancare '' )  was the successor servicer assigned to my account. Two payments were made to Loancare XX/XX/XXXX and XX/XX/19. Loancare was promptly contacted and wanted proof of payment which they had previously acknowledged receipt of via email. They verbally agreed to refund the duplicate payment upon receipt of confirmation of payment which they had already acknowledged receipt of via email. Upon receipt of my proof of payment they allegedly will send me my refund after a three day processing time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently disputed on my old XXXX XXXX XXXX account on XX/XX/2020 XX/XX/2020 and XX/XX/2020 and the account has not been proven to be accurately verified on all three of my credit report 's from XXXX Transunion and XXXX. This account is asking for {$280.00} but wont show proof of the account being accuarte after I've constantly have been attempting to receive accurate information.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased an XXXX XXXX   with XXXX XXXX via XXXX for store pickup using my Apple Card issued by Goldman Sachs. I realized immediately upon receiving confirmation email that I ordered the wrong model. I cancelled the transaction and placed a subsequent order for the right model. I then proceeded to pick up correct model but noticed that my transaction for the first order was never reversed from my card. The total amount was {$190.00}. I disputed the transaction on XX/XX/XXXX ( XXXX ) when I thought was a reasonable time for the refund to occur. You can reference the XXXX with the order details and my email and see that they state the order was cancelled. Apple representatives said it was not an issue on their side but revert back to Apple Card Support. I received word on XX/XX/XXXX that the transaction was not resolved in my favor. I again attempted to resolve through several calls both with Apple directly as well as with Apple Card Support aka Goldman Sachs. The dispute was reopened on the XXXX of XXXX ( XXXX ). I followed up several times via chat and phone again only to be notified on XX/XX/XXXX that the transaction was not resolved in my favor despite providing all the documentation with screen shots of the website proving I never received the order. I again, reopened a dispute ( XXXX ) and talked for hours to their customer support. They confirmed it all sounded logical and assured me that it would be taken care of this time. On XX/XX/XXXX I received word of a split decision and they found I somehow still owed {$120.00} due to the fact they had credited me for the XXXX XXXX for {$31.00}. I again opened a dispute ( XXXX ) but had already cancelled the card ( which I was worried would impact my credit rating ). Regardless, I decided this was not representative of the brand promise of Apple nor a company I would like to work with. I wish the story ended her but again after providing again the documentation of screen shots ( all via email ), on XX/XX/XXXX I received a notice from Apple Card Support that they reached a split decision and they claimed I already received credit from the merchant for the amount of {$31.00}. At the end of the day, I did not have to pay for the full amount of the order but I was out of pocket for some of it despite never receiving the item and only through my persistence. In addition, I was out a lot of pain and suffering due to the number of calls and aggravation. It was one of the worst customer experiences I have ever had and it was a clear cut case. I cant even imagine what it would be like in a real fraudulent case and would fear for any consumer who has to work with them. Therefore, I share my experience in hopes it can help others.
Product: Credit card or prepaid card

XX/XX/XXXX I canceled the credit card. I paid the balance in full, and canceled the card by calling the card company. I was told the card was canceled. 
In XX/XX/XXXX I was sent a statement that I owed XXXX. I called the credit card company back, and they said a charge was made for XXXX. I told them that's impossible, I canceled the card. The person I spoke to said I was correct. The card was canceled. She said an investigation would begin. 
In XX/XX/XXXX I called them again after noticing my credit score was being severely damaged because this credit card company was reporting my account delinquent. So my score has dropped. I told the credit card company this information, and they again said a dispute would be entered. Today, XX/XX/XXXX I just got another statement saying I now owe {$170.00} for an account I canceled in XX/XX/XXXX. And I was told it would be upt to 99 days until the XXXX. XXXX would be removed. But they are not removing interest and late fees on a freaking account that I nceled and did not authorize a charge to a closed account that is still being charged freaking fees. 
I don't owe them anything!!!! 
Genesis FS Card Services XXXX XXXX XXXX XXXX GA XXXX. 
My account # that I canceled a year ago is XXXX
Product: Checking or savings account

In XX/XX/2022 I was a victim of fraud. I got a call ( and XXXX appeared on my caller ID ) from what I thought was my utility company, stating a payment was due. 

The scammer convinced me that payments could be made faster through my bank/XXXX. I know that utility payments can be made at bank branches so it did not seem unusual. 

I paid {$300.00} via XXXX and they said it did not go through so I made another payment of {$290.00}. 

I found out I was scammed. 

I filed a claim with my bank, Capital One and included the police report that was filed. They denied my claim first stating I should work it out with the vendor ( no vendor to work out ) and later stating that XXXX is not responsible for scams. 

I reminded my bank that the XXXX service is utilized via my online ( capital one online banking ). I better understand now if that XXXX is a XXXX party vendor but I feel I should more protection from my bank. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2018, I have been trying to inform PNC Bank that someone had used my card without my knowledge or consent. Somehow, PNC allowed the account to go over its credit limit by over {$4500.00}. The balance due is set at {$11000.00}. I duly informed them that someone had accessed my account and reported it to them, however instead of investigating like they said they would, they just proceeded to list me as a bad debt on the three credit bureaus. I have identify theft coverage through my insurance company and was waiting to hear their decision, but they never gave me one and have penalized me on the credit bureaus rather than assisting me with a clear case of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call form Pheonix Financial Services in regards to an account that I had not knowledge of. I explained that it must have been a mistake and to send me and documents they had about the matter. Eventually I got a statement in the mail and that was it. I've sent letters certified mail and my requests have not been adhered to and ignored. They have now reported this to the credit bureaus which has caused my credit score to drop significantly.
Product: Debt collection

Medical bills have been paid by insurance before making to collections and the company harassement me and having a very impact on my credit reports.
Product: Mortgage

I have a mortgage that I pay through Mr. Cooper. My complaints are : 1. I rec 'd a letter from XXXX XXXX, XXXX XXXX XXXX, XX/XX/2018 indicating I contact her. I called and asked for her, attempted to contact her but reached a bogus extension and sent a letter XX/XX/18 2. I was NOT given accurate information on how much I owned. It took 3 1/2 weeks for Mr. Cooper to give me information on the re-instatement.  During this time, fees are adding up, while I rec 'd 3 different figures indicating how much I had to pay to get out of foreclosure. 

3. The best way to get proof of what they say in writing is to complain. XXXX XXXX contacted me after complaining on a ConsumerAffairs.com. 

4. My payment was sent via Wire Transfer. I contacted Mr.Cooper that day, but no one could seem to locate the payment, until I called 2 days later. 

5. The Info. that XXXX sent me on how much I owed, ( to be reinstated contained Pending charges ). I paid and asked what did I pay for? 

I can not get straight answers. Am I entitled to information on how much I owe and what I am paying for? These are the reasons why I am contacting you. 

If I have a right to know how much to know what I paid for, I would like to know. I have emails, letters, a witness and phone conversations if you need it.
Product: Debt collection

XX/XX/XXXX  Virtuoso Sourcing Group   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , CO   XXXX   RE : Collection Notice, Creditor :   XXXX   XXXX   Client Ref # :  XXXX  Acct. # :   XXXX     XXXX   : I received the attached collection notice in reference to the aforementioned account, dated  XX/XX/XXXX , on Friday,  XX/XX/XXXX .
I am contesting/disputing the balance due - as stated in your correspondence ( {$570.00} ) ; instead, I am offering to pay one-half of the amount stated which would be {$280.00}. My reasons are as follows : 1. I had b een a loyal  XXXX  customer since  XXXX , 15 years while residing in  XXXX ,   XXXX   and the remainder of that period while in  XXXX ,   XXXX   XXXX  . 2. My service at   XXXX   XXXX   XXXX   XXXX   w as canceled in  XX/XX/XXXX , only after I moved and new location did not require continuation of a monitored alarm system.
3. In XX/XX/XXXX , I paid  XXXX  {$1300.00} for a full system installation at my   XXXX   address. This, after having service with  XXXX  for 15 years in  XXXX  and  XXXX   XXXX .
4. I considered using  XXXX  again, after I moved in  XXXX  of this year at my new address ; however, the quote I received was in excess of {$1400.00}. I felt this was quite excessive, since just two years prior ; I had paid over {$1300.00} for an upgraded system.
In summary, to have been a loyal customer of  XXXX  for more than 20 years, and to be asked to pay more than {$1300.00} within two years, is quite excessive and shows little consideration for my prior years as a customer. Because of the aforementioned facts, I am asking  XXXX  to courteously accept my offer of a final payment of {$280.00}.
Finally, I would trust that no adverse action would be reported against my credit report until this matter is resolved.
( Over ) Virtuoso Sourcing Group   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , CO   XXXX    XX/XX/XXXX ( Cont. ) Sincerely,   XXXX   XXXX   XXXX
Product: Debt collection

I've received collection letters from this company that is unable to provide detailed validation on the alleged claim. LVNV Funding LLC is attempting to collect a debt that is not owe to them in the amount of {$4200.00}
Product: Debt collection

I am in the process of trying to purchase a home. I was unaware of a fraudulent debt on my account, until I was declined by the bank for a home loan. I have never received any notification of a debt, notification of right to dispute within XXXX XXXX, or any verification of these alleged debts from Portfolio Recovery which is a violation of FDCPA. Portfolio Recovery has destroyed my credit, without notifying me of the same, for accounts that I do not owe. I do not owe Portfolio Recovery, nor any party that Portfolio Recovery claims to represent. This is the last thing a consumer should have to be facing, especially in unprecedented times, such as these. I demand that Portfolio Recovery remove this fraudulent debt from my credit report or I will sue, and seek the maximum compensation available under the law.
Product: Debt collection

Debt does not belong to me. Belongs to my ex husband. This debt collection agency has repeatedly reported and validated to all XXXX bureaus regarding an old utility debt. They have refused to provide any documentation to me, to validate that this account is mine.
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/XXXX a loan was taken out in my name for {$1000.00}. Two pay stubs were given to the company with my name on them. I did not work for the company that was on the paystubs. The money was deposited into an account at a bank that I have never use, nor was my name on the bank account. In XX/XX/XXXX I got a final notice of default on the loan. I contacted the loan company about the loan. They informed me of what they had for the loan and that was my name, phone number, address, Social Security number, and place of employment. I informed them at the current moment that their email address, phone number, and place of employment were wrong. I gave them the right phone number and email address so they can send over all the information about the loan, loan request information, and the documents to acquire the loan. At the end of XXXX beginning of XXXX, I sent a fraud affidavit to the clients attorney that was still suing me for this loan. I am still being sued for a loan that I never applied for never received never gotten a copy of the actual loan application, used in my name to apply for this loan. 

The loan company never verified any information before sending funds for the loan I never applied for or received. Because of the loan companies negligence, this is costing me time, money, and health issues.