23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX has sold this debt once again this time to AFNI. The debt is not mine and I have a police report on file during the period in which this fraud took place. XXXX should not continue to sell this debt when they have been advised of it being a result of identity theft. Neither ATT or AFNI can produce a contract stating I agreed to this debt. Thus this debt can not be validated and has not been by AFNI or anyone else. I 'm very familiar with the FCRA and the FDCPA laws and these debt collection tactics are a violation. If they cause me any further damage and that includes my credit standing I know that I 'm within the law to file a lawsuit. I 'm asking for your assistance to help put this away quickly and quietly
Product: Checking or savings account

I am the sole, legal representative of my deceased mother 's estate. My mother died on XX/XX/XXXX. I submitted a death certificate, XXXX, a copy of her WILL, and all of the XXXX XXXX XXXX XXXX 's documentation that the WILL had been properly probated and is closed. I am also the co-owner on her checking account. The branch lost my paperwork. I resubmitted paperwork on XX/XX/XXXX to Regions Bank, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The branch refuses to release funds or change the name legally on my account and has illegally locked my account. Instead of acknowledging their mistakes, they are requiring me to reopen the estate, despite having a all legal documentation. This bank has done nothing to resolve the issue. I am afraid this could happen to other consumers.
Product: Debt collection

I had a payment plan on medical bills owed starting XXXX they stated they have several other accounts linked to me for a total of little over {$3200.00}. I at that time set up payment plan on the account to pay {$150.00} every 2 weeks on Debit card which started in XXXX & continued thru XXXX in which my card had expired I then called & spoke to XXXX asked for my balance @ the time & my balance had increased to a little over {$3400.00}, I asked how it increased paying {$300.00} a months she said the intrest is 1 % per account & I have XXXX accounts with them, I advised her I did not have XXXX accounts @ that time I advised I was willing to make payment arrangements but I want a individualized billing if charging fee 1 % per account she refused I asked for manager she refused sd XXXX was not availabe asked for a mgr to call me back I never received a call back I also never received individual billing either I on XXXX received a notice that if I do not arange payment they will forward to litigation, on XX/XX/XXXX I called spoke with XXXX XXXX I asked for exact date of speaking with prior rep XXXX on the account in XXXX or XXXX she said no record of speaking to me around that XXXX & nothing for conversation she completly disregarded my questions & concerns & advised me now that my balance is {$3500.00} I again tried to advise XXXX XXXX of my concerns she refused individual billing that is not how they do things thier I advised to speak to mgr I spoke to XXXX XXXX who stated was a manager I again asked for individual billing advised her they are linking incorrect & over charging she to refused to listed to what I was trying to explain to her & said that I was cutting her off from answering my questions said they ony submit XXXX bill with a list of providers & intrest is billed per account. I again advised her willing to make payments on the account when I get a individual billing for each account they state they have in their office she refused she stated I was over talking her so she could not answer my questions she said is forwarding to littigation they cant wait forever for payment on account.I have been denied a individual billing of accounts they state they have listed in their office ( that come over individually ) even after I had been paying them {$300.00} plus a month my debt the state I owe increased not decreased
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Convergent Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Mortgage

I have been working with PHH Mortgage since XXXX to resolve an issue with No success. We closed on our home in XX/XX/XXXX. Our Parcel that is listed on our Deed Warranty is XXXX, XXXX XXXX XXXX XXXX It is two tracks. Track 1 is the house and Track Two is a small plot of land behind our house and recorded with the county and city as P XXXX on Tax Map XXXX XXXX XXXX in the description of property as a part of Parcel XXXX When we closed on XX/XX/XXXX taxes were paid for the parcel, XXXX City and XXXX County. In XXXX PHH paid taxes for this parcel from our escrow account and the money was returned by both the city and county in XXXX and credited back to our account. PHH then sent money from our account for an additional Parcel XXXXXXXX XXXX XXXX XXXX. The amount County XXXX and XXXX City. Both the City and County tax offices are refusing to send the money back to PHH and therefore PHH is refusing to return the money to our escrow account and state that they have documentation showing they were to pay for the XXXX parcel. We do not own this parcel and it is not on our Deed Warranty or listed under our name or previous owner with the Tax Offices in our area. I have requested a copy of the documentation and they refuse to send it. 

As of today they are requesting for me to send proof of the taxes being paid from the closing attorneys office however, this is the first time since XXXX they have requested this information. I sent them via email the attorneys phone number back in XXXX and the contact person to verify payments. They have also asked that I go to the tax offices and request the money be returned which I did and the tax offices refuse. I also had a conference call with the County Tax Trustee XXXX and PHH Mortgage supervisor XXXX from XXXX. They refused to return the money. PHH increased our payments in XXXX to for the upcoming XXXX taxes due in XXXX. They are making us cover the loss that they created by paying the wrong XXXX. 

The XXXX attachments are the receipts for XXXX XXXX owned by our neighbor XXXX XXXX previous owned XXXX XXXX. THIS IS NOT OUR PROPERTY. The receipts for our Parcel is with our Attorney XXXXXXXX XXXX XXXX  in XXXX TN. Which I have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$440.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

This month someone sent me {$100.00}, but all that showed up in my account was XXXX dollars. Then I receive a text message from cashapp saying the money was returned to my bank and to please allow 3-5 days for my funds to be available. I did just that. When I started reached out to customer support they would keep asking me what transaction was i having a problem with and I informed them that there are multiple transactions. Then the chat would suddenly close. This has been ongoing like this for the last 2 years. Many times I knew I had a certain amount, but then cashapp will post transactions that were same transactions that were previously debited. So along with money that I should have had, and the duplicate charges something that was already paid and I have lost a lot of money and they are referring me to contact the XXXX XXXX XXXX, in XXXX. I have sent emails and called long distance in hopes to resolve these issues and get my money back! 
They also advertise no feesfor ATM withdraws, which is a lie. Every time I've had to withdraw, I had to pay the machine fee for using the ATM and then cashapp charges me a fee for withdrawing. They also charge transaction fee and no two fees are ever the same amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error, I am a consumer by law an my information was misused. Due to this I have inaccurate accounts on my credit report.
Product: Debt collection

Bill came dated XX/XX/XXXX. Claim is from XX/XX/XXXX for {$580.00} XXXX XXXX XXXX. 
I moved XX/XX/XXXX. To the best of my knowledge I was up to date on my utility bill with XXXX. 
Penn Credit from XXXX Pa is trying to collect this debt. This creditor has not appeared on my credit report over the last 4 years.
Product: Checking or savings account

Citibank notified me towards the end of XXXX XXXX that my phone number and email address was deactivate for XXXX. Then on XX/XX/2022 they blocked my account without notice. I called them on XX/XX/2022 and inquired about my blocked account. 

They informed me that the bank had performed a review of my transactions and that they had made a decision to begin closing procedure on my account, due to my XXXX activity. They never informed me what was wrong with the transaction, nor were there any refund requests or reversals within my account that exhibited any risk to the bank, only stating that I would be receiving a letter explaining why my account was being closed. 

About a week later I received a letter in the mail from Citibank stating, " We periodically review customer accounts to access the suitability of their banking relationship with Citibank XXXX to a recent review, it has been determined that we can no longer service your account ending - XXXX and your other related accounts. Based on this decision, we have taken steps to terminate your banking relationship ( s ) with Citibank, pursuant to the terms of the Citibank Client Manual - Consumer Accounts. '' The letter went on to explain that my accounts would be restricted from any debits and certain credits and will be closed within sixty days from the date of the letter, which was XX/XX/2022. 

The letter continued to express several important points regarding what I need to do in order to not have additional funds tied up in the closure process. To include a paragraph regarding funds that are in the account that belong to me, that would be maile dto me in the form of a check upon account closure, and that I may visit my local branch or contact them at XXXX Option XXXX, XXXX to determine if I'm entitled to the funds sooner than the expected closure date. 

On several occasions I called the Fraud Prevention Department trying to find out why my account was being closed and if I could receive my funds sooner than 60 days, each time I was given no information nor an option to receive my balance of funds sooner. On two occasions when I called the representatives rudely stated they were terminating the call because they could not give me any information. I stated several times over a month and during at least 8 calls that I was experiencing a hardship since my Social Security and my Veteran 's Administration Pension was direct deposit to that account, unable to change to another bank account until XXXX. This left me without funds for food, rent and bills now for 2 months with their 60 days hold making it 3 months without any funds in XXXX. This has caused me undue hardship, stress, anxiety, inability to maintain my diet, sleep, buy medication and supplements for my XXXX XXXX, as well a putting me behind on my rent and bills.
Product: Debt collection

The account holder settled the final bill with XXXX XXXX XXXX XXXX in full last XXXX 2016. XXXX XXXX XXXX  erroneously kept on billing the account although the holder requested closure of the account in XXXX, 2016 and vacated premised. 
XXXX XXXX XXXX continued to bill the account for the premises not occupied by the account holder. Account holder does not recognized the validity of the debt and requested XXXX XXXX XXXX to validate it that has not been done. 
XXXX XXXX XXXX transferred the account to the collection entity Harris & Harris in XXXX in error as the collection entity was advised in writing to stop any communication in regards to that disputed erroneous debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There 's terrible mistake in my report, why have many unauthorized inquiries appear
Product: Debt collection

this debt Isn't mine, i have asked for them to provide me a copy of a signed contract between myself and the company they are still unable to provide me with a copy so this debt is not valid.
Product: Credit reporting 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 under 15 USC 1681. 

List of Unauthorized Inquiries : 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 a 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by 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: Credit reporting, credit repair services, or other personal consumer reports

Had credit card with XXXX, had good credit, and when they filed Bankruptcy, it was noted that it was derogatory on my be half! I had long good standing with the company! It should not be a derogatory statement on my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

O n   XX/XX/XXXX , I   mailed a letter to Equifax notifying them of inquires that they have listed on my personal Equifax credit report that I had never authorized. I requested that they supply me with authorization that they received from me to the creditors and received a letter stating that they are " factual ''. My claim was not to address weather or not they are factual but to supply me with my consent to obtain my credit report. Equifax has been unwilling to assist with these unauthorized inquiries and this is affecting my finances. How is the " factual '' determination even made without contacting the creditor that supplied them with the information and getting proper validation? I would like to know the method of them deeming an inquiry " factual '' without proper verification or validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed chapter XXXX bankruptcy in XX/XX/XXXX case no. XXXX. I have made multiple requests/disputes to both XXXX and XXXX to update my credit reports to show that the account is included in bankruptcy. Although both companies received regular payments from the bankruptcy trustee, they continue to show my account status as a Charge Off and do not report the accounts as included in my Chapter XXXX plan, which will be discharged soon. XXXX even re-dated my account to make it appear it was charged off in XX/XX/XXXX with no status change to reflect that account is part of my chapter XXXX plan.
Product: Credit reporting 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 under 15 USC 1681. 

List of Unauthorized Inquiries : 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 XXXXXXXX 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by 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: Credit card or prepaid card

Im having a big problem with American Express platinum card. I made a purchase on paying it off I was in the hospital and theyre giving me a hard time and the cut off to my credit cards. I told him Ive been in the hospital on my deathbed and this is the way they treat their customers. Im off have a balance of reward and I cant use it towards my purchases. Theyre a bunch of con artists. The sad thing is they approve me for the American Express XXXX are activated it today and they blocked my card. They can not do that. I want whats the title to me I cant help that I was in the hospital. And the in-laws pick me up today because they put me through XXXX and I ended up having another XXXX. They are not responsible for mine condition. 
i will be giving them my hospital bill ffrom today.
Product: Credit reporting or other personal consumer reports

I need to re-document and refile this grumbling to NR/SMS/XXXX..I kept in touch with them the errors of my credit report including dates of payment, dates opened, payment history, and status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. 
My privileges have been disregarded various times. 15 U.S.C 1681 segment 602 A.

States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX  as my formal complaint.
Product: Credit reporting or other personal consumer reports

I've complained about this company within the 3 days and they refused to end contact. This has been reporting on my credit report as charged off and i asked for a1099C statement so I can write it off on my taxes but they haven't provided that. This is a fraudulent act on there part.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled my credit report to receive an update. On the report it showed 5 accounts that were fraudulent and unverifiable by myself. I proceeded to write to the 3 credit bureaus regarding these accounts and stated in each letter that I would like to receive proof of their investigation and documents that these accounts belong to myself. All 3 credit bureaus sent me a letter stating that the debts were verified and provided a copy of my credit report but did not provide proof of of how it was verified. I filed a police report on XX/XX/XXXX stating that I am a victim of identity theft and provided a copy to the credit bureaus. To date I have received the same response despite the fact that I have demanded proof of verification. I believe that all 3 credit bureaus ( XXXX, Equifax and XXXX  ) are in violation of the FCRA statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my report that are there after finally reviewing my report. In the past i have shopped at classic XXXX and at XXXX XXXX both stated that they would only run my info through their dealer and there are way more inquiries on my report. 
XXXX XXXX XXXX XXXXXXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXXTRANSUNION XXXX XXXX via TRANSUNION XXXX XXXX via XXXX XXXX TRANSUNION 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 XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX