23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I, XXXX and XXXX XXXX, am officially filing this complaint against Debt Collectors ; BWW Law Group and XXXX XXXX for violations under the RESPA. On XX/XX/2017, BWW Law Group and XXXX XXXX auctioned off our property known as XXXX XXXX XXXX, XXXX, Maryland XXXX. However, these debt collectors had no standing to sell our property. In addition, the document used as a debt instrument was fraudulent and the lender named as the secured party to the foreclosure, XXXX Mortgage, had NO knowledge that they were a part of the unlawful sale of our property. Furthermore, at the time of the foreclosure sale, there was no debt or lien on our property. This has since in recent events been validated by the lender XXXX Mortgage that we owned the property free and clear. These Debt collectors were aware that there was no debts or liens on our property. They used deceptive practices to convince the court to allow them to commit these fraudulent acts against us and our property. Now, we are days away from being evicted. This action has forced both me and my wife to file for Bankruptcy in order to stave off the evictions. IF WE DO NOT GET HELP, WE WILL BE HOMELESS AND WITHOUT MEANS! WE ARE ASKING, IF POSSIBLE THAT CFPB OPEN AN INVESTIGATION CONCERING THE DEBT COLLECTORS BWW LAW GROUP AND XXXX XXXX. The lender who transferred our mortgage was XXXX XXXX. XXXX transferred our mortgage to XXXX Mortgage, and XXXX transferred our mortgage to XXXX XXXX. All of their action were violation under RESPA Law! XXXX Mortgage has already submitted its deposition ( XXXX ) to the CFPB. ( See Attachments ). 

BWW Law Group XXXX XXXX XXXX, XXXX XXXX XXXX, Maryland XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however, XXXX and Transunion have not removed this from my credit report. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the two bureaus to fix this issue but I have not been successful.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 I applied for unemployment. I was suppose to receive my first direct deposit XXXX XXXX that consists of 6 payments at one time that total {$4200.00}. The next day Current mobile banking started sending me emails that said if I filed for unemployment to give them the account number in my app, which I did when I first filed for unemployment so I didn't think anything of it. I reached out to the bank SEVERAL times and they kept reassuring me that everything is ok. the moment I realized they were full of XXXX, I tried to get in touch with unemployment to change my bank account information but they were so busy due to COVID-19 that by the time they returned my call, I missing two more direct deposits XXXX XXXX {$710.00} and XXXX XXXX {$710.00}. So in total I am missing {$5700.00}. Current kept telling me to contact unemployment and get the account number it went it, but of course they are not allowed to give me that information. So I got a attorney and after months he was able to get me the account the number but the account is now closed and is still giving me and my attorney the runaround. I feel like current mobile banking scammed me and I have proof. PLEASE HELP!! THANK YOU IN ADVANCE
Product: Credit card or prepaid card

My Discover account, my oldest line of credit, was closed unbeknownst to me. There is no information on my Discover.com ( like secure messages or indications on my statements ) that shows that they reached out to me. They said they sent me mail to my home address ( dated in late XXXX ) stating I need to use the card to keep the account open. However, 1 ) we are in the midst of a global pandemic 2 ) I work in a XXXX  and have not been able to keep up with unexpected updates from Discover 3 ) I have informed delivery from the USPS and there is no record of any mail from Discover in XXXX. Additionally, I had successfully filed a complaint with the CFPD in the past ( XXXX ) regarding not receiving mail from Discover. They acknowledged their mistake but it seems like this is still reoccurring. I do not want my oldest line of credit to be closed. This is not standard industry practice and most other creditors ( XXXX, XXXX, XXXX ) do not play games like this. I reached out to customer service and supervisors and they told me that they are unable to reopen my account ( because I did not act on the information that I did not receive ). I was told I would get a call back from HQ but they will not be able to help me. I am now reaching out to you as a regulatory agency to make sure creditors stop these predatory practices. I am very disappointed in this practice and would appreciate my card reopened. I am a young adult and I can not afford a large hit to my credit as my average age of credit will now drop significantly and this will affect my mortgage and loan opportunities as I try to grow my XXXX. They advised me to open a new account to continue my relationship with Discover but this has very negatively impacted my view on the company and their policies. I will allow them 1 more chance to right this wrong.
Product: Checking or savings account

Complainant : XXXX XXXX and XXXX XXXX Nature of Complaint : Because of a payment error by Ally Bank, I was charged fees and interest on my XXXX card on at least two occasions. 

Amount requested from Ally Bank : {$520.00} - {$320.00} in interest and fees. {$200.00} for the effort and time it has taken with all the emails, chats, and phone calls. 

Details : There have been at least two instances of credit card payments arriving late to XXXX. In both cases there were fees and interest. In the second case, the credit card was turned off. My familys practice is to pay in full by the due date. We dont hold debt except mortgages. 
Each time a bill arrives ( XXXX or any other ), I enter the amount in full and due date. This has mostly worked without issue for years. The Ally Bill pay site calls the due date the delivery date. This means that the bill must arrive on or before that day. XXXX bills are due on the XXXX or XXXX of each month. I have provided the dates of each payment in 2020 below. Until recently, I didnt know how money transferred from Ally to XXXX. XXXX told me that it was mailed. ( Note : the XXXX payment is now shown in the Ally statement, but XXXX has a record of it. ) In my conversation with XXXX, the nice gentleman told me that the XXXX bill was late by a few days. I explained that I used Ally bill pay and scheduled it correctly. It didnt matter to them. XXXX only cares about when they receive it. It doesnt matter if its lost in the mail, delayed, destroyed or anything ; they still charge a fee and interest when they dont receive a payment on time. They agreed over the phone to waive the fee and that amount has been subtracted from the amount Im requesting. 
I started a conversation with Ally about this. In my view, they accepted the responsibility of delivering payments by a certain date. If its late for whatever reason, they should be responsible. As shown in the email chain below, Ally has not accepted accountability. 
Allys remedy is in the future schedule payments days before the due date. ( See email below ) I have a couple problems with this. They should be experts in bill pay and make their own adjustments to deliver payments on time. Thats a burden put on me and any other customer that we are not fit to handle. I dont know the way bills are paid ( mail or electronic ). I dont want money out of my account for longer than necessary. If Allys goal is to pay bills for customers using their platform, they should have a quality control system to make sure mail is delivered on time. If that means sending earlier, confirming receipt, or whatever, thats what they should do. 
Ive spent significant time on the phone and webchat trying to recover losses to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft and my name was used for a loan with company XXXX XXXX XXXX XXXX  i have reported it as fraud and it has been removed from my experian and transunion report but equifax won't remove the account. it is XXXX XXXX XXXX and is causing detrimental effects on my credit report and my ability to qualify for credit. i have done all that I've possibly can to have this issue resolved and nothing is seeming to work. equifax has also been reporting false balances and false credit scores to companies and have caused me to be denied credit that i am sure to be approved of if they were to report the correct information
Product: Checking or savings account

XX/XX/XXXX, I saw a {$380.00} charge that wasn't ours. Call USAA immediately & notified them. The card was identified as my wife 's and blocked. They told me that the money would be replaced in 1 or 2 day 's.

XX/XX/XXXX, I called USAA to inquire about the money & was told that they didn't know why the Adjustments Dept didn't put the money in but that they were still investigating it. 
XX/XX/XXXX, We received my wife 's new debit card. She discovered that it was missing. Know that I have already called in the claim I didn't think to call USAA.

XX/XX/XXXX, Still no money so I called USAA where I was told that the case was closed because the charge was completed using the chip. I explained that to USAA and they updated the case and again stated 1 or 2 days to put the money back in the account. When asked why we were not notified of the case closing, the representative did not know why.

XX/XX/XXXX, Still no money. The representative stated that no new updates from the Adjustments Dept. & didn't understand why they didn't put the money in my account yet. I was also told that the Adjustment Dept. notified my wife 's INACTIVE account of the case closure. No e-mail, phone call or text.

XX/XX/XXXX, Still no money. The representative stated that no new updates from the Adjustments Dept. & didn't understand why they didn't put the money in my account yet. But also told me that they have no way of contacting the Adjustments Dept. other than through there notes process. so she asked that they call me in 24 to 48 hours with why it's taking so lone.

XX/XX/XXXX, Still no money. The representative stated that no new updates from the Adjustments Dept. & didn't understand why they didn't put the money in my account yet. Again I was told that they have no way other than the notes to interact with the Adjustment Dept.

XX/XX/XXXX, Still no money. The representative stated that no new updates from the Adjustments Dept. & didn't understand why they didn't put the money in my account yet. Again told that they can't contact the Adjustment Dept. & still no update as to what is going on.
Product: Credit card

In reviewing my Transunion credit report I discovered an inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/year> .I have never applied for any credit or services from this company. I called them directly and ask what the inquiry was for and was told they do not have any record of me making application to this company. I asked that this inquiry be removed from my Transunion credit history and any other agencies that they use.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XXXX  Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XXXX Reference # : XXXX
Product: Checking or savings account

On XX/XX/year>, I signed up and was approved for a Citi Bank checking account using a link that had a promotional offer of earning {$300.00} after doing two or " Enhanced Direct Deposits '' totaling {$1500.00} or more within 90 days. The deposits were completed and I never received the bonus. I called Citi Bank customer service to inquire about the bonus status, where they stated there was no bonus attached to the account. I explained I signed up directly through the link that had the {$300.00} bonus, and that it was a public offer so that couldn't be the case, but they reaffirmed the bonus was not attached and I would not receive one. My husband signed up through the same link and received the bonus completing the same requirements, and after trying to escalate the matter further, the supervisor said she could not open an additional ticket because the offer link not being substantial proof. She simply stated that bonus was not attached, despite me signing up directly through the link advertising the bonus and completing the requirements within the specified time frame within the terms, and using the offer link within the valid dates. Like I said before, my husband signed up for the same account on the same day and received the bonus completing the same requirements, so there is no valid reason the offer should not be attached or should at least be honored.
Product: Debt collection

his started when XXXX XXXX sent my account to a collection Agency called Vital Recovery Services. I will start by telling you the situation. I was in a career ending accident with this very car ( XXXX XXXX ). From that point on I had to apply for XXXX in PA. Unfortunately it takes 2 years before you get a hearing in front of an administrative judge. So I was unable to pay my payments. Now the original loan was taken out in XXXX of XXXX. The problem started when Vital Recovery got involved. We were talking about making a settlement on the account that's when the games started. I explained my situation and told them that I was Permanently and Totally XXXX. I said I would be willing to give you my total monthly income of {$1100.00} to settle this debt, because I only make {$1100.00} a month from XXXX. The total bill was {$9700.00} when I defaulted back in XXXX. The woman said that she would send in the request to XXXX XXXX, with the reason why to see if they would accept, because of my condition. She told me it would take about 2 weeks to get an answer, and that she would get back to me. So two days pass and I get another call, This is vital Recovery etc. I am calling about a debt that you owe. I said I have already discussed this with one of you reps and put an offer in, she said she sent it off to XXXX XXXX for review and to see if they would accept the offer and she would get back to me in two weeks. He said sorry it never happened. Then he says if you give my {$6000.00} I will send the offer in. I said I don't have that kind of money, I am XXXX and only make {$1100.00} a month, but I can do what I offered the woman. He said he won't do it. Then we hung up. These calls have gone on for 3 months now. They went as low as {$1100.00} and as high as {$6000.00} and everyday it's a new figure. One day it was {$2000.00} last week. It is just game after game. I told them the only offer and money I have is {$1100.00} and I will give it to you in good faith to show you I am not running from My obligations and good Faith. But again, it just depends on who calls me for that day. One day they say they will send in the offer and it never gets done
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to remove this unfamiliar account from my report. I contacted XXXX and Ally Financial multiple times and ask them to send me the original document that I agreed to do business with this company ALLY Financial. Attached is the responds I keep getting in return from XXXX. They are just responding the account is verified but is not letting me know how the account was verified with no proof breaking my consumer law. After contacting XXXX and XXXX they understood and deleted this strange account. However, XXXX has yet to comply. Please delete Ally Finanical from my XXXX report Account number XXXX
Product: Vehicle loan or lease

Credit Acceptance Corporation may have inaccurately reported information related to my account, which Ive disputed. Im requested that they provide accurate documentation to clarify these discrepancies. 
Additionally, the car was taken from an impound lot and subsequently sold at auction without proper reporting to credit bureaus, which could be a violation of regulations requiring them to report such actions accurately. It's important to document all communications and consider consulting a consumer protection attorney or a credit reporting agency to address these concerns effectively.
Product: Credit card

see attachments verifying account has been closed with XXXX  XXXX ( XXXX  ) balance owed due to fraudulent activity.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX here on XXXX. The loan was initiated for XXXX minus a down payment of XXXX dollars. The loan carried XXXX XXXX XXXX XXXX XXXX XXXX 
The first payment is due XXXX. Somehow in this short time at a little over XXXX XXXX a day interest, my payoff balance is almost XXXX XXXX Further research into this companies practices has revealed numerous complaints ranging from holding payments until after the due date to exorbitant balloon payments and extra fees to not providing titles upon payoff. 
I initiated the process to refinance with my credit union ( XXXX ) two weeks ago. It was approved and the check was sent to Westlake financial ( per XXXX  ). XXXX states that the check has been sent but that Westlake has not cashed it. 
I have called Westlake financial multiple times over this week to inquire about this. I have been hung up on twice and when I was able to make contact I was not given any answer but to wait. 
As I wait, the balance continues to grow. This company has proven itself predatory and reckless in their money lending practices and I am amazed that they are still carrying a license to lend at all. However, I can only speak to my own experience with them. I have paid off this car by proxy with XXXX. Westlake Financial 's excessive fees and refusal to honor this payment in a timely manner can only be assumed to be a money-grabbing practice and constitutes wire fraud and theft.
Product: Mortgage

I was not told about the foreclosure date nor was I informed. I called the bank and had an understanding that we will fix the unpaid balance as soon as I finalized the divorce proceedings. I am still protected under the scra ( Soldier Civil Relief Act ) but they  already foreclosed my home. I have tried calling them.Theyy took my property out of the house I don't know if they put it on storage or what happened to it. I was under a judge orders restricted to enter my house and was waiting the final decision to return to my house but the bank took control and changed the locks to the lthouse the realtor in charge send some pics of the remainder of my stuff still held in the garage but I call the new realtor selling my house and was told they got rid of all my property I was not even evicted. I have the money to continue making the payments but they are not making any attempt to settle and rather foreclosed on me.
Product: Debt collection

Upon reviewing my most recent credit report, I have found a third party medical collection account on my credit report with, XXXX, XXXX and XXXX with a company that does not have a surety bond with the Texas Secretary of State. According to Section 392.101 of the Texas Finance Code,  they are illegally attempting to collect this debt and are in violation of Chapter 392. I request that they stop reporting this debt and have it removed from my credit by notifying the said credit bureaus immediately. The company that this complaint is in regard to is stated below. 

Optimum Outcomes XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX Debt Amount- {$510.00} Opened on XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  XXXX, XXXX XXXX, and Simmons Bank. The Account Opened is XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Simmons Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a follow-up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act I have since XXXX of XXXX and XXXX sent a version of this exact letter to the companies that violated my Privacy and my credit report I do not have the exact dates but I'm sure you can look on my credit report and see where I disputed those inquiries