23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am requesting a copy of the letter from Amex, sent around XXXX XXXX, that offered its sincere apologies about the confusion of the payment I 'd made to account XXXX on XXXX XXXX, XXXX. 

This letter described -- in detail -- the disposition of an overpayment of over {$300.00} from the account I held in XXXX XXXX. A portion of this overpay- ment from the credit account I 'd had in XXXX XXXX was apparently applied to my account XXXX. 

And actually, according to my records from the credit report I checked in XXXX XXXX, the overpayment was a little more than {$770.00}. I am going to work with my local bank to retrieve those records from the actual credit report. 

I am requesting a copy of this letter to sort out exactly, if anything, I owe to American Express. 

I only have a credit card for account XXXX. I have never received a credit card for this " new account '' of XXXX. I would appreciate it if Amex would stop assigning new account numbers to the ones actually involved in this situation because it just confuses the situation. 

I would appreciate more sincere cooperation from American Express regarding this mess that they had a major part in creating. I did not request a refund from the credit account I had in XXXX XXXX. I requested a copy of the letter describing the disposition of the funds from that XXXX XXXX account. This letter was sent to me around XXXX XXXX, and also contained profuse apologies for the confusion about what accounts were overdue and how the XXXX/XXXX/XXXX payment had been lost. 

I need a copy of that letter. Please send it to me.
Product: Mortgage

In XX/XX/XXXX, I started a streamlined refinancing process with Mr. Cooper. I submitted all of the required information, and by XX/XX/XXXX, nothing had been accomplished. Mr. Cooper failed to provide me the necessary updates I requested and it was a nightmare trying to get in touch with anyone. Once someone did call me, they said the process was almost completed and to NOT make my mortgage payment for that month, until she told me to do so, because that would mess with the refinancing process. I waited and the CS representative never called me back. Finally, someone different did call and said the information I was given was wrong, and because I missed a payment, we couldn't move forward with the process. I filed a XXXX complaint and nothing was really accomplished. The Mr. Cooper representative who contacted me was rude and tried to intimidate me. Finally, Mr. Cooper agreed to remove the " late '' record from my credit. I submitted the requested information on XX/XX/XXXX, and I still haven't gotten an answer from them as of today, XX/XX/XXXX. I have sent multiple emails to the person I submitted the information to, and her two supervisors and no one has contacted me to give me an update. I am frustrated because of the lack of communication and professionalism from Mr. Cooper and her representatives. I have tried to be patient due to the covid situation and the fact that they might be short-handed, but I am trying to sell my house and buy a new one and this is keeping me from it, so I might even start losing money on my house.
Product: Vehicle loan or lease

BMO Harris is the issuer of my car loan. I've submitted a complaint about them before but I just got off a recorded line with XXXX. I called in at approx XXXX on XX/XX/XXXX. The issue is that they tell customers that they can make a principal only payment to their loans through the website, which they can not. I have had additional interest hit my account because of the false statements and unwillingness to comply with a correction. I've asked for them to go back and adjust every over payment and apply it to principal, instead of simply toward the next payment. A few months ago I spoke with a women who attempted to understand the issue and got caught up in her own lie, I asked for a supervisor to call me. I never heard from them. Compound interest is a powerful thing. Especially when used against people who don't understand it.
Product: Debt collection

I am filing this complaint regarding Portfolio Recovery Associates , LLC, due to their ongoing debt collection activities in Alabama despite lacking the proper licensure required by the state. After sending a formal cease and desist letter to the company, they have continued their collection efforts, ignoring my requests and failing to adhere to federal debt collection guidelines. 

Through my research, I have found that Portfolio Recovery Associates is not licensed, bonded, or insured to conduct debt collection activities within Alabama, which violates Section 40-12-80 of the Alabama Code. This code mandates that any collection agency operating in Alabama obtain a license, and failure to do so may constitute deceptive and unlawful debt collection practices. Continued collection efforts without this required licensure may also violate the Fair Debt Collection Practices Act ( FDCPA ). 

I respectfully request that the CFPB investigate Portfolio Recovery Associates for non-compliance with state licensing requirements and issue an order compelling them to cease all further collection activities in Alabama. I hope the CFPBs intervention will lead to a resolution, as I am prepared to explore further legal actions if this issue persists.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the unauthorized sharing of my credit report information, which I did not consent to. Additionally, my identity has been stolen, and I have already reported this matter to the IRS. The unauthorized access and sharing of my credit details have caused significant concern, and I am worried about potential fraudulent activity. I am requesting that the Consumer Financial Protection Bureau investigate this issue, remove any inaccurate or unauthorized information from my credit report, and ensure my credit is protected from further misuse. I also ask for guidance on securing my credit and preventing future identity theft incidents.
Product: Payday loan

I was contacted by a company calling themselves " High Point Assets '' ( phone # XXXX ) regarding an " outstanding payday loan issued to me in XXXX of 2013 ''. I did not apply for or receive a payday loan at that time. I wouldn simply have ignored the call and considered it a waste of my time except the person had the last XXXX of my XXXX and the name of my bank for " verification purposes ''. This makes me alarmed that they have collected other information about me. This is obviously a scam and I 'm doing my best to report them to all of the relevant agencies for investigation. Please do your diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT OR THIRD-PARTY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Texas XXXX ( since XX/XX/XXXX ) ( XXXX ) XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX On XX/XX/XXXX, I was targeted, and my car was broken into, my purse containing my social security card, drivers license, credit cards, debit cards, blank checks and account numbers were stolen as I took my XXXX  into XXXX. Since then, XXXX XXXX has been convicted of Theft/Aggravated Robbery and XXXX XXXX has been convicted of theft of Identifying Information ( I dont know either person ) on my behalf. Both individuals have assumed my identity to open several fraudulent accounts, loans, enter into contracts and make payments using my stolen information. Many of the accounts have been open and maintained for over a year. For a period of time my personal checking account was taken over by fraud. For several years I was unable to access my credit reports due to not being able to identify myself to the bureaus as my information was mingled with the person who had assumed my identity. During that time in XXXX of XXXX, I contacted XXXX at the request of my XXXX  loan servicer and disputed the fraudulent credit card account but was told to dispute it with the credit bureaus as never late until their investigation was complete. It is my belief that I was told to do so to stall because in XXXX of XXXX I would be barred from having this account removed. Also during the time I couldnt access my credit report, XXXX loans were opened in my name through a third-party XXXX  loan provider which blended in with my other federal loans but only appeared on my XXXX file. I have been in XXXX  continuously on a XXXX bases since XXXX of XXXX until I XXXX  XXXX XXXX in XXXX of XXXX and have NEVER made a XXXX loan payment as they have always been on hold due to my enrollment. Although it seems I have made a payment on the XXXX  XXXX XXXX XXXX accounts, I havent. I would like the following information blocked from my credit report as each account is a product of the Theft and/or Forgery : XXXX. XXXX Account Number : XXXX Amount : {$16000.00} 2. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$4000.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$10000.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$9600.00} Police Reports : 1. Agency : XXXX Police Department Offense Report Title : Forgery/Fraud/Conterfeit Report Date : XX/XX/XXXX Report Number : XXXX Officers Name : XXXX XXXX Entered by XXXX XXXX XXXX XXXX. Agency : XXXX Police Department Offense Report Title : Burglary Motor Vehicle Report Date : XX/XX/XXXX Report Number : XXXX Officers Name : XXXX XXXX XXXX THE CREDIT BUREAUS ARE REFUSING TO REMOVE THE ACCOUNTS AS THEY ARE SAYING PAYMENTS HAVE BEEN MADE ON ALL FOR OVER A YEAR ( THEIR POLICY NOT TO REMOVE ). XXXX ADVISED ME TO DISPUTE THIS ACCOUNT AS NEVER BEEN LATE XX/XX/XXXX UNTIL THEIR INVESTIGATION WAS COMPLETE BECAUSE THEY KNEW IN XX/XX/XXXX I WOULD BE BARRED FROM HAVING IT REMOVED.
Product: Checking or savings account

Citibank taken fund from my acct. i deposited 3 checks at the same time through mobile banking after a month from the time i deposit those check i ripped all checks. i found out they took all the money that i deposited. they said those check was presented again in 2 different banks and i dont have account on those bank. i insist that i ripped all those checks. i asked for help and went to the bank to get some help try but they cant answer me why they took my money without further investigation. i gave them a copies of those check but they said there is no trace of fraud. it is fraud because they took the money from me. they cant even help me. im so stress and confuse where to get help with this situation since they blocked my account and my tax money will go to that account. im not rich i live my life paycheck to paycheck but citibank is not helping me to resolve this. im so disappointed and lost ... hope somebody can help me to resolve this since citibank is not doing a there job.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit Bureau makes it their intent to keep you from talking to an individual pertaining to fraud on your account. I called XXXX ( XXXX ) to be treated with hello please give us your social security number so I can look you up. Now that sounded like fraud not stating who you called instantly asking for your social security number. Then youre told by a computer you can not talk to a person. How can you call in and dispute items if the credit bureau refuses to acknowledge your existence outside of a computer? Then I called XXXX which said call the computer line which will not allow you to address issues with a live person so they can understand what you say. I Then called XXXX. Again no person to discus the issues of fraudulent activity on my account. I have several payments Ive been trying to dispute but it says to call in, why to talk to a computer that caint understand what youre saying? Ive got a large amount of fraud to dispute from unsolicited credit card, hard and soft inquiries out like XXXX  XXXX and XXXX XXXX which has made almost XXXX hard and soft inquiries. XXXX  with XXXX also has posted un requested inquiries. XXXX does not accept banks that are not national, XXXX sells their credit services but prevents the consumer from being able to upgrade their credit report because now they dont recognize the bank you use. XXXX, Transunion, and XXXX all need revamped to where they take care of the consumer not barricade the business behind the bureaus to violate the consumers and help perpetrate fraud on your account to reduce your score to increase business interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT AGENCY IS REPORTING CHILD SUPPORT WHEN THE COUNTY DOES NOT REPORT TO AGENCIES DIRECTLY WHICH VIOLATES MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting

Collection Bureau Inc. placed an account on my credit that does not belong to me. I have tried contacting them and asked them to provide proof that this account belongs to me or to remove this account and they have not done either. They simply responded by telling me to call in?
Product: Debt collection

Phoenix Financial Services & XXXX has sent me multiple false bills detailing a fake emergency room visit and debt from that visit. They claim I owe a debt to a fake doctors group called XXXX XXXX XXXX and call me incessantly and send bills saying it will go on my credit. I have called XXXX XXXX Hospital Emergency room billing and they called this company and was asked to stop sending me bills. 
The company is still claiming I owe a bill but the hospital says there is no record of outstanding unpaid medical fee. This is a really aggressive hoax and its all over the internet that they have tried to scam others this way.
Product: Mortgage

On XXXX XXXX I exited my forbearance plan because the Freedom rep who called me told me I can get a modification to lower my monthly payment because I was affected by Covid and I have an ongoing hardship, so the rep put through the Loan Modification paperwork for me and I received the underwriting decision letter stating I was approved for the loan modification but my monthly payment was going to go from XXXX to XXXX now if I am asking for a loan modification it's because I can't afford the monthly payment so why would they make the mortgage payment higher, all over FHA and HUD it states despite the higher interest rates of today they want mortgagees to reduce the P & I by 25 % to get to a targeted lower payment, that was not done for me I feel as if they are not going off of the pandemic cares act options. However I did come across an issue where Freedom Mortgage did not want to even help it's borrowers even though there was the options that FHA put out until complaints were made to the CFPB. This is a national pandemic that affected people nationwide I can't believe they can not find a program that will lower the monthly payment to struggling homeowners, And on top of that every time I call their Customer Service dept I NEVER get the same answer twice they are rude and they tell me that is all they can do for me is the higher payment option every time I speak to customer service I get very upset and stressed and it shouldn't be like this homeowners need help and the government put out those options for help I know there is other options and I am sure they can reduce this payment but they are not going through the options correctly, they have lawsuits against them and this concerns me very much since I am a customer of theirs. I work real hard for my home and it's not my fault that the pandemic came through here ruining everything I should not be punished for that. I sent an email to XXXX XXXX the CEO but he never responded there has got to be a way to lower this mortgage payment I am asking the CFPB for help and I hope this doesn't cause repercussions on me from Freedom Mortgage because I made a complaint with the CFPB.
Product: Vehicle loan or lease

I tried calling the XXXX XXXX /Toyota Motors to advise them that I never received statements and notice for these dates listed FOR THE FOLLOWING DATES :XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. Due to their error, they reported late payment remarks on my credit report which IS IMPACTING ME NEGATIVELY DUE TO NON RECEIPT OF THEIR MONTHLY STATEMENT FOR THOSE DATES. 

I ALSO TRIED GOING THROUGH THE CREDIT BUREAU TO RECTIFY THIS MATTER WITH NO SUCCESS ON EITHER SIDE.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

5 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is XXXX XXXX XXXX XXXX, XXXX XXXX should not be listed as an address of mine. I do not live there and never have.
Product: Debt collection

Debt of less than {$800.00} from Capital One was from XXXX or earlier and should have been written off AND removed from my credit reporf ; however, debt collector not only is attempt to collect, they bypassed the statute of limitations and have re-entered the same debt a second time on my credit report, but with a new date of XX/XX/XXXX. Today is XX/XX/XXXX and I have received 6 pages of collection documentation. Statute of limitations in Arkansas is 5 years ... so this is now past the statute for the second ( illegal ) posting to my credit report ... right?
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my car lease with Porsche Financial services and closed my account. XXXX credit reporting agency is still reporting my account open with a balance. I have disputed this matter twice with XXXX and they keep reporting my report incorrectly. It should say closed with a XXXX balance. I have provided a letter from Porsche Financial confirming my closed account
Product: Debt collection

XXXX reported a debt of XXXX  to my credit file. I have never had an account with XXXX I called the collection agency and they asked me to supply proof of insurance during the period of time in question which I did however, they still have not removed this false statement from my credit file
Product: Money transfer, virtual currency, or money service

i believe that it was mistake to close my Paypal account. I am using my paypal account for my online business as a selling XXXX business. I start using this Paypal account last month, XX/XX/2022, My Paypal account email is XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hopping that I will get back my account and able to use my new online digital selling business. 
Thank you and Good bless For Identity verification, I attached my valid ID. Please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, TransUnion ] consumer report. 

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 

XXXX : XXXX CARD ENDING IN XXXX XXXX XXXX XXXX XXXX CARD ENDING IN XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my_payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter for a verification of debt owed XXXX nothing received to verify Sent 2nd request XXXX no verification sent back Sent 3rd request XX/XX/25 - no verification sent back No verification that this debt is owed. Sent letter to all 3 credit bureaus and to original creditor XXXX XXXX. which also did not give any validation of the debt owed or they had the right to collect.
Product: Debt collection

Got call/voicemail from " legal courier '' XXXX XXXX from protected number who stated that he will be delivering legal papers to my home address on Firday and to make sure that I am available. This papers are filed against me in case with my SSN and provided me with reference number ( XXXX ). He also said that I need to contact issuing office at XXXX with any questions. Same voice mail message was left at my parents home phone number and I never listed that number as my phone number. I called given number and it was anwered by XXXX XXXX from Lion Stone Holding LLC who state that they filed case agains me for debt of {$1400.00} and if I do not pay it immediatelly I will be subject to legal case and possible arrest. I end up paying XXXX i have copy of " receipt '' as well as voicemail message available for further reference. After doing some research no " legal courier '' XXXX XXXX exist. I beleive it was a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 

XXXX XXXX XXXX Balance : {$66000.00} ; XXXX XXXX XXXXXXXX Balance : {$26000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX, XXXX Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX
Product: Mortgage

My husband and I sold our home on XX/XX/XXXX we called the mortgage company XX/XX/XXXX regarding the update on our escrow account, the agent we speak to over the phone advice us that a refund will be send out and we will receive it by the end of XXXX. On XX/XX/XXXX we called again because we're wondering what happened to our escrow refund, again the agent told us it will be send out XX/XX/XXXX. It is now XX/XX/XXXX and we haven't receive a refund from our escrow account. We also concerned that we over paid the interest for the month of XXXX.
Product: Debt collection

I recently got a copy of my credit report & I saw a XXXX credit card from truist that I didn't apply for. I contacted the bureas & they told me I may have been a victim of identity theft.