23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Refused to send verification of debt via mail after I repeatedly asked and told them I have not received anything through the mail in over a year. Debt collector then told me I was lying and told me not to waste his time so he could move on to someone who actually wanted to pay their bills. Refused to let me speak and laughed at me when I started getting frustrated.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I engaged with a landlord to rent an apartment, and sent over deposit amount for the property, and would receive consistent messages that would cite increasing the deposit amount and speed of payment, over the matter of 2 weeks, I had sent {$5300.00} to this landlord but did not receive any move-information, updates on the property, or anything. The payments were sent through XXXX and XXXX XXXX to various emails. I decided to contact the local police department and filed a report, then sent a complaint to the XXXX XXXX XXXX XXXX, and contacted my bank, Capital one about these fraud latent charges, I havent received any updates from Capital one on these charges and being refunded.
Product: Checking or savings account

I received a response to my original complaint against EastWest bank. I contacted XXXX XXXX XXXX at the email he provided me. I emailed the fraudulent wire transfer transaction XXXX XXXX/EastWest couldn't find. I did NOT receive any communication back from XXXX XXXX. 

I finally have a point of contact with XXXX executive office/wire transfer fraud department . They issued a recall of this wire transfer on XX/XX/2022 no response from East/West Bank XXXX XXXX executive office XXXX XXXX The fraudulent wire transfers were made minutes apart from the same routing number at EastWest bank XXXX XXXX I did receive one of the recalled wire transfers back. To date still have NOT received the {$19000.00} made by a XXXX XXXX I am attaching email and the wire transfer transaction detailed information... again. 

I am obviously doing this whole investigation mostly alone, as both involved banks have yet to be able to resolve. 
Have either of these wire transfer frauds/parties been employed by EastWest bank ? ? At this point I have lost faith that either bank and their so called " fraud protection '' of their consumers is a joke.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and checked that I had an inaccurate account that needed a positive and quick response. There is a discrepancy on my credit report and the balance on the account is inaccurate and incomplete. I am consumer by law and my information was misused. I listed below the item with discrepancy that indicates the company name, balance and date of last reported : XXXX/ XXXX / XX/XX/2022
Product: Debt collection

Called my wife 's phone, I took the call, and said that I do not recognize the debt, she got angry and started belittling me stating " do you even remember working <here>? '' I said because of her attitude that I was terminating the call and to have a nice day. 

She then called my cell phone immediately after and said " Good I now have your phone XXXX XXXX '' and hung up. 

She then called my place of business, and said " is the owner in or are you the owner XXXX XXXX? '' and I hung up. She called back twice after immediately. 

Then she called my father-in-law immediately after that on his cell phone. 

This, after I said I needed to check to see if this was my account as I didn't remember it.
Product: Debt collection

Receiving multiple calls from debt collector for my fathers debt. Automated dialers calling my cell phone with out my consent. I never provided them my numbers nor did my father provide them. I asked them to stop calling but they continue. When I call them back they refuse to tell me who they are and just hang up on me. The same guy hung up on me like XXXX times but used a different name every time I called.
Product: Mortgage

Faxed modification XXXX and XXXX see proff and faxed again XXXX now a sale? for XXXX paperwork has been in before date!
Product: Credit reporting, credit repair services, or other personal consumer reports

Manufactures & trade not properly reporting my monthly payments of {$250.00} per month Monthly payment. They are reporting aNO INFORMATION Payment history. From XXXX thru XXXX listening all payments last when fact they have received them all early Stating Ive only made 23 % on this is a total lie of my credit recording. They are blaming XXXX for not recording it correctly. I called XXXX and they told me they did not provide bother the payment binformation my conformation number XXXX gave me after I spoke to them is XXXX. They advised me to contact you and ask that they be removed from my credit report for false reporting of my payment to them ThankYou XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is really exhausting, I've been attempting to contact the appropriate channels about the errors on my credit report for so long now, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.
Product: Credit card or prepaid card

I purchased a diamond engagement ring and wedding band at Zales and was told to open up a account for 18 months, no interest financing, sounded like a good promotion. I was not told about the terms of the financing, just that it is interest free for 18 months. I was making all my payments on time each month and every months as I do with all my bills and I have excellent credit, XXXX XXXX XXXX. I fully intended to pay off the balance before the end of the 18 months. On XX/XX/2022 I receive a bill in the mail with a balance of {$1300.00} and a interest charge of {$1400.00}, I call the bank that day and ask, why is there a {$1400.00} interest charge on my account?! Was told I past the promotional date of 18 months deferred interest, in which I did not know that my promotion was nearing the end, no mention of it on thr billing statement on the first page, they said it was on the third page?! I didnt look at the third page as my balance is on the first page. I told them I will and I did pay the balance of my statement for goods I had purchased in the amount of {$1300.00} off on XX/XX/2022. They said they will not reverse the fees nor or they obligated too. I said I am paying off the balance today as I did not know the promotion had ended and my interest charges were more than my remaining balance, that is not a cool or ethical business practice for consumers. I spoke with XXXX managers and they were not willing to help me. I am filing a report against this company for unethical business practices and I would like for them to do the right thing. I recently have had a baby, gone through XXXX and have a hardship with my self employment business, their advertising for the credit card no interest is very misleading and was not explained to me and they pushed me to sign up for their store credit. And then to get a {$1400.00} interest charge when I did not see clearly on the first page, was told that the promotion ending date was on the third page, not clearly explained, not clearly told about charges for deferred interest, this isnt a good business practice, and should be illegal if it isnt. If it is legal it is very misleading and puts a huge burden on many consumers if they are late a day on monthly payments or missed promotional ending date that is clearly not marked or easily visible to the consumer. I am a honest person, making a honest living, but not willing to reverse a interest charge in the amount of {$1400.00} when I have been a on time customer is wrong. 

Comenity Capital Bank Do the right thing, and assist your customer in the well being of your business and to the consumer, do not put hardships on honest people. 

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

I have requested via mail to have these unverifiable accounts eliminated 4 times from the credit bureaus dates are as follow : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit card

Comenity Bank ( the bank for the credit card ) said my payment was late. XXXX added late charges and interest. Both Comenity Bank and XXXX were told that timely payment was made ( on XXXX XXXX ) and, in fact, the payment was deducted from my bank balance on the same date. I was assured by a XXXX supervisor that she brought my balance to XXXX. Never happened and it has dramatically effected my credit rating.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XX/XX/XXXX Customer Service American Honda Finance Corporation XXXX XXXX XXXX XXXX TX, XXXX Dear American Honda Finance Corporation, I hope this letter finds you well. I am writing to formally dispute certain inaccuracies and possible violations related to my account with American Honda Finance Corporation. After reviewing my records and relevant laws, I believe that there have been breaches that require immediate attention.

Firstly, I would like to address the potential inconsistencies related to my personal information, which may infringe upon my privacy rights as established by 15 U.S. Code 6801. This statute outlines the importance of protecting consumer information, requiring financial institutions to implement appropriate security measures. I have concerns that my data may not be adequately safeguarded.

In addition, I have noticed discrepancies in how my credit has been reported, which may violate 15 U.S. Code 1681 ( a ). This section mandates the obligation to report accurate information to consumer reporting agencies. Given the negative impact that inaccuracies can have on my financial standing, it is crucial that we address this matter promptly.

Furthermore, I would like to highlight potential violations under 15 U.S. Code 1605 pertaining to the need for clear and transparent disclosure of terms. Upon reviewing my agreement, I find that certain fees and terms were not clearly communicated to me, which could be seen as non-compliance with this regulation. 15 U.S. Code 1635 also states that within 20 ( twenty ) days of receipt of a notice ( Rescission ). I am not liable for any finance charges or any security interest. By law, it becomes void and all money or property ( title ) is returned to the consumer.

Moreover, I am concerned about the practices surrounding my account that may not adhere to 15 U.S. Code 6802, which emphasizes consumer privacy rights and the need for customer consent prior to sharing sensitive information. It appears that I may not have been adequately informed about how my data could be used or shared.

Lastly, I would like to bring to your attention 18 U.S. Code 1028, which addresses identity theft and related fraud. It is paramount that the information associated with my account is accurately maintained to prevent any misuse that could arise from misinformation or lack of proper identity verification.

Given these concerns, I am requesting a thorough review of my account and the associated practices of American Honda Finance Corporation. I would appreciate your prompt response addressing these issues and outlining the corrective steps you plan to take.

Thank you for your attention to this matter. I look forward to your timely response so we can resolve these discrepancies efficiently. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My Citizens Bank XXXX Problem Again My XXXX Profile is Restricted with citizens bank i cant use my XXXX XXXX to make purchases and i having alot of issue with this account and Citizens bank refering me to visit a branch bank to authenticate my account and for some reason customers service is unable to verify my Phone Number Please i need help with this am tired of having this problem with this Horrible bank citizen
Product: Debt collection

I was looking into an FHA for the first time and came across this collection which is an illegal one. The original debt was through XXXX that was over 5yrs old. Jefferson Capital is reporting an unverified debt that I allegedly owe to them. I have no contractual agreement with Jefferson CapitaXXXX at all. They are in violation of the Fair Debt Collection Act. I won my cases under the FCRA with Transunion which closed the account, but Equifax Experian has not and severely damaging my credit. I have now made XXXX disputes through Equifax. They must validate, verify, prove all debt with 100 % accuracy and they have not. They are violating the Fair Credit Reporting Act. Jefferson Capital must provide proof of any debt that I allegedly owe with copies of any contractual agreements bearing my signature. 2 weeks ago I called them asking to see this " collection '' which they can not sue for because of how old this is and all they sent was a bill with no original debt I owe, no details, no signatures, NOTHING. They have in XXXX I owe {$1000.00}, but when I talked to an employee there he said they can lower it to {$530.00} and are sending paper work ... so right there, they are reporting wrong. I was never given notice of this collection. I never signed anything with them and I also was not given the 30 day period to respond before the collection was added, which is a right guaranteed to me by law. This needs to be removed IMMEDIATELY or as others said, I have no choice, but to sue them and bring them to court. I am trying to buy a house and they 're making it hard. This dept is so old they ca n't even sue me or even had my proper address until 2 weeks ago which I 've been at for over 10 years. Jefferson is in full violation of the law and this needs to be taken today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a renting an apartment. My lease ran out. 2 differnt groups bought the apartment complex after my lease was up. I had no problems until I was late on payment 1 time by 3 days. Apon getting the notification I payed in full with all late fees. After I recevied a XXXX XXXX late fee notice. The next month i recived a {$140.00} late fee notice, a letter that said I owed the previous company, then a letter saying i had no lease, and several illegal threats of eviction. I asked for proof of me owing the previous company, they sent their ledger which started with a late charge and no explination why. It had several mathmatical errors. I sent back a list of errors. They then falsafied the ledger to try to hide their attempted fraud. I had enough moved out, turned in keys. Two months later they called and threatened to evict me however i didnt live their for two months. I then attempted to talk it out over email with them. They figured out I was documenting there illegal acts and refused to talk to me. This company usally takes people to court, however in my case since I have evidence of their fraud and it would cost me more to take them to court than the debt itself, they used the three credit bureaus as their fraud enforcement. I have submitted enough evidence to prove what I have said, and even gottin a letter from them saying that the colloecter can not prove im incorrect, however they are more than happy to remain as fraud enforcement lackys. So i guess if you want to defraud someone just open an llc, make false ledgers, then sell your false ledgers to a debt collector and the credit bureau XXXX will back you.
Product: Mortgage

My file is being dual tracked. I was in an active review with the lender and they set a foreclosure sale while I am in review. 

On XX/XX/XXXX my HUD approved Housing Counselor confirmed that I was approved for a forbearance agreement through the end of XX/XX/XXXX.  On XX/XX/XXXX my HUD approved Counselor faxed over a request for continuing the forbearance including the following : 1. FHA form 710 2.  4506-T 3. Hardship letter 4. Information about latest status of medical hardship & upcoming XXXX 5. My food support Award Letter 6. Transaction history for my food support and general assistance showing proof money is received on EBT card.
7. Lease agreement 8. Rental receipts signed by me and my renter 9. Explanation that rent is paid in cash 10. XXXX signed Federal Tax returns 11. Letter of explanation regarding me having no bank account and therefore no bank statements. 
12. Authorization for my HUD approved counselor to speak with my lender On XX/XX/XXXX my HUD counselor called Pacific Union and spoke with XXXX who said that she sees that they have received everything they need to review my request for continuing the forbearance agreement and that we should callback every 2 weeks to see where things are at. 

On XXXX/XXXX/XXXX my HUD counselor called Pacific Union and  spoke with XXXX who said there were no updates, nothing needed. He then said that the file was still being reviewed for completeness. My counselor asked why we were told it was considered complete and it was with underwriter. XXXX said he did n't know and suggested we call back the next week. 

On XXXX/XXXX/XXXX my HUD counselor called Pacific Union to see where things were at. She spoke with XXXX again, who then had a list of documents including documents that we had already sent. My counselor called me and made me aware of documents and due to my recent XXXX, it took me until XX/XX/XXXX to gather and return the documents. 

On XX/XX/XXXX I was served a foreclosure notice. My request for assistance was not denied and my request was in on XX/XX/XXXX and confirmed on XX/XX/XXXX, so we are confused as to why there was a sheriff 's sale set and how this is not considered dual tracking?
Product: Debt collection

I sent a letter to the company requesting validation on XX/XX/ and they didnt provide the information within 30 days
Product: Mortgage

I was sent a solicitation by US Mail from Equihome Mortgage ( NMLS # XXXX ), which was trying to get me to refinance my existing mortgage with them by making false claims. 

As you can see in the attached image, they advise that if I refinance my with them I can eliminate monthly mortgage insurance premiums from my loan with XXXX and save hundreds per month, with other possible benefits as well. 

Two false claims here immediately jump out : 1 ) My loan is not with XXXX. 
2 ) I put 20 % down when I purchased my home back in XXXX and have never pulled any equity out ; so I do not have - and never have had - mortgage insurance. 

This type of advertising is predatory on consumers. If I believed what is in this letter, I would think its possible that there is another mortgage out there in my name that Im not aware of ( with XXXX ), or that I need to refinance to save hundreds of dollars ( that Im not spending ), etc. 

Please address this with the lender.
Product: Credit reporting or other personal consumer reports

my name is XXXX and I disputed a XXXXXXXX XXXX XXXX charge-off on my XXXX secondary credit report. After my dispute, the investigation was completed on XX/XX/year>. the account was deleted from my XXXX report. Generate a letter I can upload to the CFPB and send to the CRAs advising them of the deletion from XXXX. Include if XXXX deleted the account completely they will have to do the same due to the account now being verified. include any consumer laws that protect me as a consumer and encourage the credit reporting agencies to remove the unverifiable debt from my credit report within 30 days or less. if the unverifiable account is not removed within 30 days or less, please include any consumer laws that include my right to sue and take legal action.
Product: Payday loan, title loan, personal loan, or advance loan

They took acces to my account away over a mont and half ago and will not give me updates and will not provide me any information but still withdrawing money from account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute XXXX XXXX   XXXX XXXX. The highest balance listed on the account is incorrect. Please delete the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, i write to all these 3 agencies to fix the issues of my amounts were paid in full as agreed as for XXXX and XXXX XXXX card alleged balances. I called even last week XX/XX/17 and i just given the run around with nothing. I am suffering from there actions as i cant get the house to buy when i have done what is right long time ago. I now reach out as my last hope as they just not right with me.
Product: Credit card or prepaid card

My ex opened several credit cards and bank accounts in my name without my permission. American express being one of them. I had filed a previous claim and XXXX  took action on a card not reflected in my complaint. They took action on a card ending in XXXX. The complaint was filed on card number found in the ftc complaint attached here and the prior complaint. My ex used many of my bank accounts that he had hacked into to pay these fraudulently opened cards. XXXX  being the primary one, which I have also filed a complaint on.
Product: Debt collection

Online it says I have an amount to pay of over {$2200.00} which I knew nothing about. Ive never had an XXXXXXXX XXXX XXXX. I had no idea about this debt until they called my father telling him they were going to take legal action. I contacted Midland Funding LLC & they didnt help me with anything but asking for money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021