23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to express my disappointment and frustration with the recent handling of my account with XXXX XXXX, in XXXX Colorado. My final bill was due on XX/XX/2023. I had originally owed XXXX dollars and some change and it climbed to XXXX dollars and some change. I was still willing to pay that amount. I made several attempts to pay the bill through their website portal, but I was unable to find any option to make the payment while charges continued accruing. 

Despite my efforts to pay the bill, I was shocked to receive a notice from a collections agency on XX/XX/2023, stating that i now owed their company XXXX dollars. I was never given an opportunity to address the outstanding balance or dispute any charges. I never received email, mail, or phone communications in order to collect the final bill either. I was immediately sent to collections, which has caused undue stress and inconvenience. 

Thank you for your attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I would like to dispute the following inacurate items that are on my credit report. I have enclosed copies of relevant documentation, including proof of payment and correspondence with the creditors, showing that these accounts have been settled in full. As stipulated by the FCRA, which mandates. that credit reports must be accurate and up-to-date, these resolved accounts should no longer be reflected negatively on my credit report. I demandt hose I can't be deleted from my report 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: Mortgage

Since XX/XX/XXXX, I have been trying to get a reinstatement letter from my mortgage company to bring my account current. I spoke with different representatives who would tell me that the letter is being generated and once completed I would receive it. Time passed by and this letter never came. I was told by another representative on XX/XX/XXXX that Rushmore Servicing does not provide a reinstatement letter, they sent me a 401K letter. I reviewed the letter and mailed overnight the amount funds needed to Rushmore and they did not accept the funds because the amount received did not cover the full amount of arrears. They are claiming that they can provide me with the correct amount over the phone and this amount is only valid for that given day. This situation is causing my mortgage to fall into foreclosure. I just want to bring my account current and continue making my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states I have the right to privacy. 15 U.S.C 1681 Section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date. The A accounts listed below are in violation of the law ; XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX
Product: Mortgage

Union Pacific Financial did an escrow analysis and they calculated my taxes about {$820.00} more per year. I have called them several times to get this issue resolved. Faxed the County auditor 's page that shows my property tax amount XXXX and finally after speaking with several people they are finally reviewing my request for an adjustment. My payment went from {$1000.00} to {$1500.00} because of their negligence to accurately review the amount for the escrow. There customer service representative are rude and do n't care about helping the client and getting the issue resolved. I have to call almost on a daily basis to make sure this issue is resolved and they calculate my monthly payment correctly.
Product: Mortgage

On Friday, XX/XX/2020 we refinanced a home mortgage with a new company, therefor paying off our mortgage with Quicken Loans. Our mortgage payment for the month of XXXX would be due on Monday, XX/XX/2020. On the XXXX I received an email from Quicken Loans regarding a late fee by end of day. Our new loan was scheduled to pay off Quicken on the XXXX or XXXX. I promptly called Quicken in response to the email, which I had already planned on doing that day before the email, and spoke with XXXX in regards to the email, explaining the situation and concerns about our payment being late, caught in the midst of the payoff. She told me that since I had never requested a late fee waiver, that I could call when I got notice of the late fee and it would be waived. I did not receive a notice of the late fee, and our new loan paid out to Quicken on XX/XX/2020. I called on XX/XX/XXXX, to request that our escrow be direct deposited. I also asked if there had been a late fee charged and was told that a late fee of {$67.00} had been charged and would not be refunded to me. I was turned over to XXXX XXXX at XXXX. I again explained all of the above and she proceeded to tell me that I would not be issued a refund of the late fee. I was on the phone for at least ten minutes discussing the issue, explaining the situation and asking why it would not be allowed to be refunded. Her best response to me was that once it was in escrow and paid out, it could not be refunded. I find that utterly senseless and during these times shameful. We are small business owners and have, as so many others, been affected by what is today going on in the world. The conversation ended with XXXX refusing to do anything more and that I would not be issued a refund by Quicken, pretty much end of conversation. Shame on Quicken for not having more understanding and not attempting to assist me in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatory accusations including ALLEGED INQUIRIES must be Metro 2 compliant to retain or report so delete these not physically with proof of permissible purpose from the exactly and legally identified as me. I did not authorize you to report not proven compliant information and you must comply.. Delete inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Formal complaint that is being filed for " Several matters '' in your county within voicemail. 

" XXXX - XXXX XXXX " ref : " XXXX '' is being left as call back. 

Paid debt for Santandair Auto Loan ( sp ) - have paperwork to prove. 

When I have answered the phone from this caller, stated to them it was paid and they said- Caller stated, " Bring it to court with you. '' and hung up. 

Continues to call for a debt that is not owed and is outside of the timelines to collect if it wasn't paid. 

Never has sent a letter. 

Never has offered a form of communication to show the debt has been paid. 

Phone number reports as : XXXX on caller id call back # is listed as : XXXX - XXXX XXXX ( Information Center ) not a debt collector? 

This company needs to be researched and fined.
Product: Checking or savings account

{$65.00} was charged on my debit card unauthorized to a company called eneba. Wells fargo notified my of suspicious activity on my debit card from the exact company. I immediately responded that it was not me and they said they cancelled the charges.... They cancelled all but one. It is inexcusable to not give me back the amount owed fully when obviously Wells Fargo even suspected fraud. They think I will not go after them for that small of amount, but we will. What is the very concerning is Wells Fargo would have let our entire accounts be drained and not refund us. That is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I would like to report that I was a victim of identity theft an account was opened on my name in 2021, I was called by a collection agency, XXXX XXXX XXXX, told them it was fraud and they sold it to a different collection agency, XXXX XXXX XXXX it reflected on my Transunion credit report, I made the police report and called the collection agencies reporting this was fraud, however it still appears in Transunion, I called the original lender XXXX XXXX they said they can not do nothing since the account was opened at a place called XXXX XXXX ( XXXX ), I called them and told them that I was a victim of fraud and they told me that for that I have to contact the collection agency they sold it to, which I had reported fraud too, seems like no one is helping erase this from my credit report in Transunion, even though the collection agencies know about the fraud and I have not been responsible for paying. I sent the request a trans union, but they send me a letter stating that they are not going to erase this report even though there is a XXXX dollar balance ( picture attached ). I called the person in my company helping the employees with cyber security and she recommended for me to file this complaint since XXXX XXXX has not acknowledged this was fraud and is still appearing on my credit report even though there is no balance to pay.
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 under15 USC 1681. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. DEPT OF ED/XXXX  XXXX. DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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 containing convictions of crimes which antedates the report more than seven years.

15 U.S.C. 1681s-2 ( A ) 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I called Franklin Services to settle a debt I saw on my credit report. The amount the agent told me did not match what I saw on my report. I was told as a courtesy they withheld how much I actually owed on my credit report. I requested an itemized and detailed list of the debts owed. On XXXX occasion I was told it would be sent in an email. The second time I was told I had to make the request in writing. While waiting on the documents, I made a payment in the amount of XXXX plus fees. By the time the second agreed upon payment was due, I still had not received a receipt of payment nor an itemized bill. I called customer service and eventually ended up speaking to a supervisor named XXXX. XXXX literally argued with me about whether or not I received the itemized bill in the mail, blamed my post office and then retaliated after the conversation. I informed XXXX until he could produce proof I would not be making anymore payments. Since then my credit reports is impacted daily with delinquent notices from only Franklin Services. I dont believe all those delinquencies are accurate. I think they are resubmitting the same debts over and over to impact my credit. The amount still does not match what I was quoted or what I paid already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to do a complaint because I keep getting notifications in my email about trans union running my credit this one is from XXXX my credit was run on XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I applied for an online payday loan from a company called bluechip financial dba XXXX. This is a tribal lender governed by the XXXX XXXX XXXX of the XXXX XXXX XXXX. 

Borrowed XXXX back on XX/XX/2018 and got approved. I was also on the brink of being evicted and needed to pay my rent plus a late fee. My payment terms for this XXXX dollar loan ... XXXX a month for 8 months and a final payment of XXXX. I agreed thinking to myself that as soon as the principal balance became low enough, I would pay the loan in full to save on interest. I said yes to automatic ACH debits from my account. I didnt realize that after making my payments faithfully for 6 months, I would have to still pay more than I borrowed tp pay in full ... XXXX I have paid XXXX on this XXXX loan so far and can't afford to pay them anymore. I also contacted the dept. Of financial institutions in my state and was emailed that they dont have a license to operate in my state. This loan is therefore ILLEGAL.

I have put a stop payment order with my bank and even though I have three months left on this loan, I refuse to give anymore " free '' money to an illegal and predatory lender who only cares aboit lining their pockets. 

I am also a XXXX XXXXXXXX XXXX patient and need to buy XXXX XXXX meds to manage my condition. I want to enjoy my money, not shovel it to these predators. XXXX for a XXXX dollar loan is ENOUGH. Also, since I put in a stop order for future payments, access to my XXXX account is unavailable. IDK
Product: Credit reporting, credit repair services, or other personal consumer reports

I got 67 inquiries need to be remove from credit report
Product: Debt collection

This debt is over seven years old and has been paid. I tried to contact the company to report that this has been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed reporting of two alleged adverse accounts on my credit report : Commonwealth Financial/Finance and XXXX XXXX. XXXX XXXX is reporting positively and negatively which is a clear violation of consumer rights. Have asked for validation, verification of accounts and have not heard back in over 120 days since the first correspondence. The first correspondence was in XXXX of XXXX, then again in XX/XX/XXXX, and finally in XX/XX/XXXX.
Product: Debt collection

Hey, I would like to file a lawsuit against XXXX XXXX XXXX. They are reporting on an account that has been settled since XX/XX/XXXX. I called them multiple times that the account has been settled based on the agreement with the court justice and I paid off. They still reporting on the account. 

Anytime, I made a call they are sending me to their law company who in return said my account has been closed on their side. 

They are reporting on my account that is affecting my life in order to get a job and anything related to credit score. 

The original debt was XXXX. They sued me in the XXXX VA civil court. I made an agreement to pay XXXX to settle this debt. The agreed amount was paid toXX/XX/XXXX. They are still reporting on my credit score. 

Please need help
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was exposed in the XXXX data breach and XXXX  XXXX data breach. I would like for the following accounts to be removed from my XXXX, TransUnion and XXXX credit report immediately. I would like for the XXXX credit account and XXXX credit builder loan from the following company XXXX XXXX XXXX removed from my XXXX, TransUnion and XXXX credit reports. I also would like for the following company XXXX XXXX loan account to be removed from my TransUnion, XXXX and XXXX credit report. All three accounts was fraudulently open without my consent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX ( XXXX ) XXXX Subject : Request for Goodwill Adjustment for Late Payment Dear XXXX XXXX XXXX Department , I hope this letter finds you well. I am writing to respectfully request a goodwill adjustment regarding a late payment reported on my account for XX/XX/XXXX. 

Due to [ briefly explain the situation that caused the late payment, e.g., unexpected financial hardship, medical emergencies, etc. ], I was unable to make the payment on time. This situation was an anomaly in my payment history, as I have consistently made my payments on time since opening my account in XX/XX/XXXX. 

I value my relationship with XXXX XXXX and have taken steps to ensure that my payments are made promptly moving forward. Therefore, I kindly ask for your consideration in removing this late payment from my account as a gesture of goodwill. It would greatly help me maintain a positive credit history. 

Thank you for considering my request. I look forward to your positive response. 

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

Fortiva XXXX  Showing past due amounts XXXX of XXXX XXXX {$790.00} Company saying balanced is closed when its at a XXXX balance Company also XXXX balance when it should not be closed
Product: Credit reporting or other personal consumer reports

I am writing to complain to OPPORTUNITY FINANCIAL about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/XXXX The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Checking or savings account

Hi my name is ... ... ... ... my bank account is XXXX XXXX the sole owner of that account. I recently had an issue with chase bank. There was an unauthorized transfer of XXXX from my bank account to ( XXXX XXXX XXXX XXXX account. I called chase while the money was still in that account and asked them to freeze it. Chase put me on hold for a long time and mean while the money left that account to another unknown account that me. Ive called chase numerous times and they refuse to release my money. That account is a XXXXt account with my XXXX, but I had XXXX XXXX calling my entire family letting them know he stole the money because I wouldnt answer the phone. He called my XXXX XXXX told him he took the money because I was spending too much. So why isnt chase doing anything? 

I recently received a letter from chase stating they will hold the money until a notorized letter by me and the XXXX account party is received. I will not be sending any letter to chase notorized made sure they knew so they wouldnt release the money while I take legal action. 
How is chase still operating? Why are they discriminating against a XXXX female?
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Credit card

I received a notice from an attorney as well as the sheriff today with a summons to court for a credit card I knew absolutely nothing about. It was from XXXX, since then I disputed 2 credit cards my ex husband took out in my name and charged over {$15000.00} and other cards he put me in debt from I went through the national debt relief program. I tried speaking with the credit card company, they couldnt help me, I tried calling the collections dept, they kept hanging up on me, so I just called the credit bureau and they recommended I filed a complaint that I was a victim of fraud.
Product: Mortgage

My name is  XXXX   XXXX  In   XXXX  , a series of events caused me to fall behind on my mortgage payments. I contacted my mortgage servicer (   XXXX   XXXX    ) to tal k about reinstatement. However, the lender and its agents denied me the right to reinstate my mortgage because they grossly inflated the reinstatement amount by $  XXXX  which effectively denied me the right to seek all loss mitigation options and forced me into a wrongful foreclosure. The actions by the lender and its servicing agents are at the minimum grossly negligent or at worse fraudulent. I wa s only two months beh ind in my payments which combined was less than {$5000.00}, but instead of sending a notice that I could reinstate the arrears for the actual amount of arrears, they sent me threatening letters that I had to pay {$65000.00}! Please help me and my family.     Recently, the servicing of my mortgage has been transferred from  XXXX   XXXX   XXXX   to  Shellpoint Mortgag e.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on transunion credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX