23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute inaccuracies on my credit report and request the immediate removal/blockage of erroneous information. The following accounts are inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is erroneous as no judgment was made, and no trial occurred.
Product: Debt collection

i keep telling them that debt that they bought from other company is bad debt and the account was closed because of fraud charges were made and the account was paid in full but they won't work with me and remove that debt from my name they keep reporting false information to the credit bureau and it's affecting my credit score very bad, i sent them pictures of payments but they won't  accept it and remove the account/debt from my name
Product: Credit card

Synchrony Bank has been reporting and billing me for credit card repayments that, I, the Beneficiary allegedly owe. However me being the beneficiary it doesn't benefits me to repay. I am writing to address the matter of the debt associated with my account. I am the beneficiary of the XXXX XXXX XXXX XXXX, and repaying this debt is not beneficial based on a careful consideration of various factors. Firstly, I would like to draw attention to the etymology of the word " repayment, '' which implies paying again. As a beneficiary of a living trust, it is my understanding that repaying an alleged debt would mean paying twice, which does not align with the equitable principles that govern trust relationships. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate. Now lets look at the word credit which means trust. Now lets look at the word report which means property. My credit report is my trust report which is my property and estate. Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged debt, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment. Equity regards the beneficiary as the true owner, and the trustee is obligated to uphold their duties in settling the account. Considering the aforementioned principles, I kindly request the following actions : Account Review : I request a thorough review of the alleged debt associated with my account in light of the trust relationship and equitable considerations. Account Settlement : If the debt is found to be valid and legally enforceable, I request clear instructions on settling the account. As the beneficiary, I trust that the trustee will uphold their duties to settle the account. Removal from Credit Reporting Agencies : I request the immediate removal of any adverse reporting related to this alleged debt from credit reporting agencies, as it is not beneficial to the beneficiary 's interests. You're furnishing this information to the credit reporting agencies which makes you the trustee. If you're not the trustee then you're a stranger. Its three parts to a trust. Trustee, settlor, and beneficiary. If you're not the trustee then you need to hand me my property back. I appreciate your attention to this matter and look forward to a fair and equitable resolution. If there are any specific procedures or documentation required to facilitate this process, please provide them at your earliest convenience. Thank you for your understanding and cooperation.
Product: Credit card

I have made XXXX payments via US Mail from a Post Office to a Post Office Box for my full statement balance for a Chase United Visa Credit Card. All other payments to XXXX, XXXX, XXXX, XXXX, XXXX Bank, etc. have been received and processed. For the second month in a row, Chase has not " received the payments '' and proceeds to charge interest and late fees. I think they are trying to force customers to using online payments by delaying the crediting of mailed checks.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

Pinnacle Credit Services XXXX XXXX XXXX XXXX MN XXXX Phone XXXX is a 3rd party collection agency. I have been working with a company called XXXX XXXX. We have been trying to get Pinnacle to provide more than name of there original creditor. They provide no proof in the form of original forms, contracts dates, signatures. XXXX XXXX tried for several years and now I have sent certified mail requesting the same with no reply at all. I want them to prove with all the above I owe said debt
Product: Money transfer, virtual currency, or money service

My wife lives in XXXX. From time to time we send each other money. We have been married for 18 years. She has been to the United States 9 times and I have been to XXXX 10 times. Yesterday XX/XX/2019 my wife sent me {$500.00} through Western Union. I have never had any problems before even when the amount was over {$3000.00}. Now Western Union is demanding that you give them your Social Security for anything over {$500.00}. They say they want two forms of Identification. Yet, they will not accept anything other than a driver 's license/State ID and a Social Security Card. I had my Driver 's License and my United States Passport, BUT! my passport was not good enough. Passport and Driver 's License both have my picture on them, Social Security Card does not. Forcing someone to use their Social Security Number only opens up the person to Identity Theft. A person I work with have been getting calls from someone saying they are with the CIA. this person have information about a person he was sending money to and all of his personal information that he could have only gotten from Western Union or XXXX XXXX. This CIA person is demanding {$450.00} to clear his name. Seniors and disabled people are being victimized by Western Union and XXXX XXXX by using their Social Security number to do business. As for the CIA and all government agencies, none of them ever call demanding payment. This is a problem the need action to stop crimes against the elderly and the disabled.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and am writing this letter at XXXX XXXX on Friday, XX/XX/2023, because I can not sleep. I have Citibank accounts CHECKING XXXX, Citi Rewards Card XXXX and DEBIT Card XXXX. On XX/XX/XXXX, I had XXXX XXXX deposit {$12000.00} onto my DEBIT card XXXX so it would be handy when needed. On XX/XX/XXXX, I attempted to pay {$12000.00} to XXXX. I called the number on the back of card XXXX, XXXX for r instructions. I was told by YOUR employee to run a debit for {$10000.00} and then for {$2000.00}. This was to pay off a car I was buying, and that was ALL READY for me to drive off in. I tried it on a XXXX debit unit and it would not work. This was around XXXX XXXX on XX/XX/2023 I called Citibank back immediately to have them walk me through the process, and was informed that the {$12000.00} had been moved FROM.my DEBIT card XXXX ONTO my Citi Rewards Card XXXX without my permission and could NOT be withdrawn or put BACK onto my DEBIT card. Also, {$760.00} had been removed from my {$12000.00}. to pay off a Interest Free Loan I had which was due XX/XX/2023. I asked to speak to a SUPERVISOR at that time and was informed she REFUSED to talk to me. 

I then called your CUSTOMER SERVICE number, XXXX, the number on my statement. I asked to talk to a SUPERVISOR And was again denied. I found ANOTHER number XXXX and talked to a guy named XXXX who said he was a SUPERVISOR. He said the best they could do was transfer the {$12000.00} into my XXXX account number on file, XXXX, routing number XXXX, but it would take at LEAST two days, and probably up to five days. 

Of course, I could NOT get the car I was buying and which was ready for me to drive off the XXXX lot. It is costing me additional days rental at XXXX XXXX at {$75.00} per day, which I EXPECT Citibank to pay. 

IT IS NOW XX/XX/XXXX, AND I STILL HAVE NOT RECEIVED THIS MONEY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Money transfer, virtual currency, or money service

XXXX XXXX responded to complaint XXXX, however has failed to show documentation requested. XXXX XXXX admitted my husband was supposed to open 2 accounts but only opened one. What they did is combine monies from my husbands 401K/IRA with a joint account held by both my husband and myself. Now they say the account was not set up. Essentially, they stole my money, over {$81000.00}. I contacted the man on the response letter and he said he didn't write it and would check into it. I have had no further response. This money in the 401k/IRA now is taxable, unless rectified. I have requested the transfer forms from XXXX XXXX that they sent to XXXX XXXX XXXX to transfer the monies from them to XXXX XXXX.I signed for the transfer and account setup with XXXX XXXX. I contacted them after I was refused log in to access account.They said I had no account with them. XXXX XXXX has participated in theft and refused to address the situation at that time. I have not received any response or the information I requested.
Product: Credit reporting or other personal consumer reports

I just reveiwed my credit profile for the first time and noticed unathorized inquiries and accounts that do not belong to me. I dont use credit and I am trying to figure out why there is inquriies and accounts that are not mine, this is causing me a lot of stress please help in removing this. I have served the country and its fustrating to go through this. XXXX XXXX - XXXX - Not mine 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXXXXXX - Not mine 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Not mine15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX XXXX - 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX- Not Mine 15 U.S. Code 1681b - Permissible purposes of consumer reports INQUIRIES NOT MINE- XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased my car in XX/XX/year> with a loan term of 72 months. When XXXX hit I had asked for XXXX deferred payments bring those XXXX payments to the end of the contract. Now that I have asked to pay off the remaining XXXX payments of my contract XXXX is saying I have a balance of {$4600.00}. This doesnt add up with my XXXX last remaining payments its more like {$1100.00} to complete my 72 months when I called to speak to some at XXXX XXXX stated that I still have XXXX more payments remaining that will make XXXX payments in total NOT XXXX payments. All I want is to payoff my loan and be done with XXXX. I have seen that this is a habit XXXX has and have gotten to the point of being sued over illegal repossession and over charging customers.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this alleged debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX accounts were removed from credit file then erroneously out back on.
Product: Mortgage

NYCB clearly believes it 's mortgage servicing " policies '' are above Federal Laws.
In the case of a Decedent - NYCB literally, put in WRITING, in a reply back to my first complaint filed with the CFPB : They " had told me already that they do not accept delegations '' from a United States Court Appointed Personal Representative regarding loan information. So sorry, but - what?? The Legal, court appointed, stand in for a XXXX person has no delegation rights over a mortgage loan with NYCB? On what planet would this be considered legal? Let alone Humanly Decent? To make this stance even more deplorable, it is a FALSE statement. They did NOT tell me that they did not accept a Personal Representative 's delegations, AND I WAS able to speak to an NYCB representative regarding this loan account with the Personal Representative 's permission and transfer over the phone. So which is it? They DO accept delegations, or they DO N'T? Was the phone transfer not a delegation? I 'm confused, are you? NYCB blatantly made these statements, back to a CFPB complaint, in writing! . Additionally, NYCB has already very clearly violated at least 5 Federal Laws, and then had the audacity to completely skirt their violations, and make additional irrelevant, as well as more false and misleading statements in their reply back to my first CFPB Complaint. Do not trust this Mortgage Servicer to provide information that is anywhere in the vicinity of the truth. They violate Federal Laws with abandon, and clearly have no respect for the US Legal System, or human beings. If that 's not enough, they will flat out lie. Oh, yes, AND NYCB will attempt to, or get away with, illegally taking your real estate - while doing it.
Product: Money transfer, virtual currency, or money service

I recently filed a complaint in which I stated I wasnt able to withdraw my balance from their app. They responded to that complaint stating that I can now withdraw my balance, but after initiating a withdraw my account was subsequently frozen with my money still held hostage on their app! They lied in the response that I was free to withdraw! They are now asking for more documents from me and Im afraid theyre trying to just seize my money! GIVE ME MY MONEY!!
Product: Checking or savings account

on XX/XX/ i was notified of suspicious activity i informed nfcu that i did not make the purchases i was informed they would monitor my account on XX/XX/XXXX nfcu paid the charges made on my atm i call and went into the branch for proof that i made the charges?? whoever charged had my phone number and address so they assumed it was me? the charges were for XXXX XXXX for {$890.00}
Product: Mortgage

To Whom It May Concern : Back in 2001 we took a mortgage loan out with XXXX XXXX and XXXX, the loan has been paid off for years, from what I understand they have merged with Citi Bank. I am trying to refinance, but unable too because it shows that there is still a lien on my home with XXXX XXXX and XXXX. I have called them, sent an email, with no response. I need a satisfaction of mortgage letter, to move forward. I was directed by the state bank commissioner and secretary of state of Minnesota to contact your facility for help, I need to get this resolved asap, so I can move forward with my refinancing, I have included a copy of the mortgage thru our county, thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX
Product: Credit card or prepaid card

Barclays card increased annual fee and when the card was cancelled did not Refund the fee/s.
Product: Checking or savings account

I spoke with a manager today, XX/XX/XXXX, regarding a check sent on XX/XX/XXXX in the amount of XXXX, this is a replacement check for a prior check sent on XX/XX/XXXX which has a stop payment on it. A total of 14 overdraft fees charged to my XXXX account plus a returned check fee in the amount of XXXX as a result of the stop payment. The overdraft fees cost XXXX each a total of XXXX plus XXXX, a grand total of XXXX. The manager advised me the check sent on XX/XX/XXXX was cashed by a XXXX XXXX at a XXXX XXXX XXXX, I do not know this person and am not familiar with this bank. I was on vacation at this time, left on XX/XX/XXXX for XXXX XXXX, returned on XX/XX/XXXX. Needless to say, I was not able to receive check or sign in it. The manager further advised me to contact police and that their investigations team can do nothing further as check was already cashed, will not reissue it. The Police are not able to reimburse me for lost check and the other party, XXXX XXXX, is nowhere to be found. I do not have a copy of check to show them, they can do nothing without it. Even so, as I stated prior, they can not reimburse me for lost funds. The total claim with overdraft fee and returned check fees is XXXX. Please advise Capital One I need a check for this amount ASAP
Product: Mortgage

My mortgage payment jumped {$420.00} from on month to another. When I reach our to PennyMac Mortgage they said it was due to an Escrow analysis to cause the jump in payment. My calucations for the reason for the increase did not add up. They claimed there were shortages due to them placing forced place insurance on my loan. However my policy with XXXX never expired that would require they place forced placed insurance on my loan. The only change was my insurance premiums did rise from {$1400.00} to {$2100.00} totalling a {$660.00} increase. When I asked why they would charge me and extra {$420.00} a month for the next 12 months, Pennymac response was we have to get back with you. This is unexceptable! I paided the extra {$420.00} to avoid any late fees and negative credit reporting. After 7 days PennyMac has not responded back to my request for a full investigation on why they tried to charge me for forced placed insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file was compromised in the XXXX Equifax breach. I have been unable to freeze the file online and Equifax has not responded to my mailed in request for a freeze. I want to be sure that the report is frozen.
Product: Mortgage

I took a 3 month payment holiday on my 2 mortgages ( two separate properties ) with Wells Fargo. After I started repayments, they said they would move the missed payments ( really principal ) to the end of the mortgage as a balloon payment. I agreed to those terms. 

The problem is that my account history in my online banking portal shows that WF has added, not shifted, the principal to both mortgages. One phone rep told me the problem was with WF systems and internally WF has only shifted the principal. But that's not what my online banking account history shows. When I called WF customer service they were not helpful and finally sent me a letter telling me " We've determined the accounts were handled properly and no corrections are needed as no error has occured ''. The letter goes on to say that the balances have been treated correctly on my monthly statement. 

Its true that the monthly statement does break out the continuing and the deferred principal amounts but the problem is that the sum is still additive, not a deferral. 

I need help to force WF to show the deferred principal as a deferral, not an additional amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX credit cards and XXXX other loans ( I don't know if they were pay day loans or what kind of loans because I didn't open them ) were obtained in my name by fraud. 
I don't know who opened them. After much work, the XXXX credit cards and another loan removed their reporting because their investigation showed it was fraud and not my accounts. 

NCB, although the person I talked to said he thought it was fraud, they would not remove. 

I finally just negotiated a pay off with them to get it off of my credit report. I paid them for someone else 's fraud. 

I have a letter from them that they would completely removed the account from my credit report if I paid the negotiated amount. They haven't removed it. After some time they changed the reporting to show that I owed the amount left after I paid the negotiated amount. 
Now they show it has a XXXX balance but have not removed it from my credit reports as agreed in writing. I've attached the letter. 

No other creditors have been as shady and dishonest as NCB, They really are bad and should be investigated without regard to my complaint.
Product: Vehicle loan or lease

Bank Of America has falsely reported missed or no payments for XXXX and XXXX. Despite being paid up 30 days in advance Bank of america is taking zero responsibility in the bad reporting. I have complained for the past 4 months but bank of america has not fixed the issues that resulted in damage to my credit. They are also suggesting its my fault despite it being auto bill pay through the bank of america system.