23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a collection letter from XXXX XXXX XXXX XXXX on XX/XX/2021. This letter was dated XX/XX/2021. It claims it is an amount owed to XXXX XXXX XXXX XXXX which I never received a bill for this amount. I closed my account with XXXXe on XX/XX/2021, and never received a final bill from them. The first bill I am receiving is this collection letter, which has no detail as to what the charges are for. Upon attempting to contact XXXX, I was told that I no longer have access to information on my account, due to it being closed. I do not believe this collection notice is justified nor legitimate, as XXXX has made no attempt to inform me of these charges.
Product: Mortgage

I contacted the loan servicer Loan Care in XX/XX/2018, to inform them I was recently laid off. Even though I was not and have never been behind with my payments I was referred to loss mitigation. The agent told me I would have to submit a package to loss mitigation. I submitted it and was approved for a 12 month forebearance. I was told my mortgage would be {$390.00} for 12 months then I would be expected to pay the difference in my reduced rate to bring escrow account current which would be about {$12000.00}. They sent me a packet, I read over it and called back to let them know I would not do anything like that because it would put me in a bad situation and cause me to lose my home. They asked me to submit a request to deny forebearance. I faxed over my request on XX/XX/2018 to stop forebearance. My payments were paid in full monthly. Today I went online to pay my mortgage only to find they have set me up on a repayment plan without my authorization. I talked to XXXX and team manager XXXX today and asked them who authorized forebearance? They couldnt tell me. The website stated I owe {$170.00}, but my statement sent via USPS said I owe {$1500.00}. I told XXXX I needed clarification as to who authorized forebearance and what is happening to the monthly payment we are sending? He couldnt explain. I further explained to him I wanted answers quickly. Because they have sent me letters alluding to foreclosure even though we have never been late. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX , I noticed there were many accounts listed on my credit report that did not belong to me. I tried correcting this in  XXXX . Again I checked in  XXXX  and it was still incorrect. I filed another dispute then. Checked again  XXXX   XXXX ,  XXXX  and the information is still incorrect! I filed a dispute for th e 3rd ti me and the results came back incorrect again. They are mixing up my information with another person 's because we have similar names, live in the same state, and have similar Social Security numbers. They have never fixed the problem and I do n't know what else to do.
Product: Debt collection

I paid off a debt owed to Bank of America XXXX XXXX and XXXX on XX/XX/XXXX for {$1600.00}. I received communication from XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX stating that they were taking over the case and most of the debt was still owed. I provided proof that the debt was paid in full prior to the date XXXX required, before further action would be taken. On XX/XX/XXXX almost an month after I had sent proof the debt was paid and had received acknowledgment from XXXX that they received my documents and were looking into the matter, a XXXX was filed and recorded with the courts against my home by XXXX XXXX. I have not to date been notified of said XXXX. I received service of the satisfaction of judgement for my case last week and today went online to see if the courts had updated my case with the satisfaction only to find the lien myself.
Product: Prepaid card

I never received my middle class payment from the XXXX XXXX XXXX. 
i reached out to the XXXX and they said i had to speak directly with the company that was issuing the payments on their behalf. 
I reached out to Money Network and they explained that the card had been mailed to me and that the balance was XXXX. 
i explained that i never received it. 
They said they would look into it. They said they will not reach out to me, but that i had to reach back out to them in 6-8 weeks. 
i just tried to contact them and can not speak to a person unless i have a card number to enter into their system. 
i can't do that as i never received the card. 
i did receive a 1099 from the XXXX stating that the money was sent to me. 
I NEVER RECEIVED IT!! 
i am reading about a lot of fraud with these cards,. 
Please help me. The amount was {$700.00}
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 XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. I have the right to privacy.

15 U.S.C 1681 section 604 A. 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My husband and I are account holders for a business account and we are currently out of the state. Our employees have my atm card and make deposits for me when I tell them. 

Our employee went to deposit {$5000.00}. The machine doesn't take it all at once so he did it in multiple transactions. The last transaction he attempted caused the machine to jam. He tried to pull the money back out but he could only get a some of the bills. We are missing {$820.00}. 

He immediately told the bank clerk and deposited the rest at the teller. The clerk told him they would balance out the deposits at the atm the next day. He told us. We called the bank and told them all of this and how we were basically told there was nothing we could do but wait. She said not necessarily, and told us we could call the number on the back of the card to file a claim. We did. They would look at the footage and check the atm and credit the account. They were supposed to do an expedited claim/provisional credit. That didn't happen. The claim XXXX. 

Today we called about the claim and were told " we usually give the claims dept 10 days. '' We weren't told this is the first place. In fact, we expected the atm ( XXXX ) would be balanced out the next day and this would all be resolved. She then offered to expedite it and put my husband on hold. Then transferred the call to a line that said they'd call us back and disconnected. 

I guess I'm just confused as to how it is that they balance their atm daily but are holding my money pretending they don't know where it belongs? I'm also confused about how no one is on the same page.
Product: Student loan

I got a scam call about my student loan Yes this is XXXX XXXX and I'm calling in referenced to your Federal Student Loan. I need to discuss your repayment options with some new changes that have taken effect recently. So, if you could please be sure to give me a call back, my number is XXXX. And I am going to give you a reference number, if you would please have this handy when you call back, that would be very helpful. Your reference number is XXXX. Thank you! ''
Product: Debt collection

XXXX XXXX FROM ORACLE GROUP CONTACTED MY PLACE OF EMPLOYMENT SAYING HIM AND A FRIEND XXXX WOULD COME AND ARREST ME AND IF I DIDNT GO WILLINGLY THEN THE WOULD TAKE ME DOWN WITH EXCESSIVE FORCE .XXXX THEN PROCEEDED TO INSULT ME SAYING I DONT HAVE INTERIGRITY AND MY MOTHER SHOULD NOT HAVE A SON LIKE ME AND HE WAS GOING TO KEEP CALLING MY JOB UNTL HE GOT ME FIRED BECAUSE A PERSON LIKE ME DOESNT DESERVE A JOB
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a late fee shown on my consumer report. 15usc1681a ( i ) a2 transaction history is EXCLUDED meaning it is not to show up on the report I did not give wet ink signature consent to place on my consumer report.

I am the legal consumer and I control what is listed on the account.

15usc1666b timing of payme n't SHOULD NOT be reporting.

Where is the WET INK SIGNATURE validating this account. IF you can not provide a wet ink signature it has to be remove.

I disputed it and it was removed and then it came back, therefore this is a violation and is compensated at {$1000.00} per violation on my consumer report.

15usc1681b no permissible purpose to place on my report.

Please remove the 1 time late fee.
Product: Debt collection

XXXX XXXX XXXX notified me in XXXX of an a bill for terminating my cable contract. I paid the full amount directly to XXXX XXXX XXXX. The company below reported the item in collections. When I disputed the items off my credit report. The company reports that this account open, which is incorrect. The full amount was paid in XXXX. The remarks state this account was settle for less than the full amount, which is false. I am contacting XXXX XXXX XXXX, with whom I currently have cell service for my companies that I own to get a statement showing this was paid in full. Regardless of anything, Franklin Collection Service has reported false information stating this account was open when it was not for about 4 years, which impacts my credit score.. Once this response comes back, I will find an attorney to review and determine what action should be taken. I also am watching this account because I do not want it to be illegally re-aged on my credit report .This company also appears to have been involved in multiple lawsuits. I will speak with my Senator 's office on Monday. There needs to be more done to companies like the one below. 

FRANKLIN COLL SVC # XXXX XXXX XXXX XXXX XXXX XXXX , MS XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$0.00} Date Updated : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Original Amount : {$380.00} Original Creditor : XXXX ( Utilities ) Pay Status : >Account Paid in Full ; was a Collection< Date Closed : XX/XX/XXXX Date Paid : XX/XX/XXXX Remarks : ACCT INFO DISPUTED BY CONSUMR ; >SETTLED-LESS THAN FULL BLNC< ; >PAID COLLECTION<
Product: Credit card

Each month I receive my credit card statement I make a payment usually the minimum amount due and sometimes a little more. Once I make a payment the amount paid is reflected as my available credit plus any credit that has remained from the last statement. Example : I receive my statement and the minimum amount due is XXXX. I make the payment in the amount of XXXX dollars and my credit card account shows XXXX dollars available credit plus any existing available credit remaining from the last statement. The issue or concern I have is that when I receive a new statement I have a new minimum amount due and my available credit has been reduced subtracting interest that has accrued instead of the interest being calculated along with other transactions that would give me my monthly minimum amount due. It 's almost like I am being double billed. It is my understanding that the interest charges are calculated in the minimum amount due each month and the only time available credit would be reduced is when purchases are made.I do n't know any other bank or financial institution that reduces your available credit because of interest charges.
Product: Debt collection

I have contacted this company several times and I have yet to receive a response. They have gone well over 30 days to respond to my claims and I have not heard anything. I have not received any documentation proving that this account is mine. I have not received anything with my ID v signatures. I have already submitted identity, theft, documentation, along with anything else that I have proven that this account is not mine. They do not respond. They do not provide documentation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX EQUIFAX MORTGAGE SER XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2024 - This inquiry shows multiple times on the same day XXXX XXXX XXXXXX/XX/2024 - his inquiry shows multiple times on the same day XXXX XXXX XXXXXX/XX/2024 Total of XXXX inquiries on my credit reports
Product: Credit reporting or other personal consumer reports

I want all reported accounts, incorrect information and addresses removed from all three credit bureaus. I have been trying for XXXX years to get things removed using a credit repair service to get nowhere.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

account was open XX/XX/XXXX for amount of XXXX now reporting incorrect for XXXX on my credit report also late payments have reach out to us bank to correct this matter but no response. incorrect information is hurting my consumer report and is a violation. 
The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( XX/XX/XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Product: Debt collection

I checked my credit after being denied multiple times for a new auto loan. I noticed an account for ARS ACCOUNT RESOLUTION in the amount of {$96.00} with the ORIGINAL CREDITOR as XXXX XXXX XXXX XXXX XXXX. First, this debt is a violation of HIPPA rights, as I did not sign a release to have my medical records, including costs, shared with any outside agency. Second, I never received any correspondence from the medical facility or the doctor after my care as I made sure they knew that I was indigent and had no income. Third, I have a right to be notified with proper instructions on how to dispute, according to the Fair Debt Reporting Act.
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 under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

I have had a personal credit card through Citibank for several years. In late XXXX, Citi contacted me with a " fraud alert '' and after reviewing recent charges I found several fraudulent transactions. I reported these to Citi by phone and they began an internal " dispute process ''. Four of the 5 transactions I reported ( dated from XXXX ) were eventually resolved and refunded, with transaction amounts ranging from {$2.00} to {$49.00}. 

There was one transaction in a higher dollar amount that did not appear to get investigated or go through the normal dispute process : Date : XX/XX/XXXX  Vendor : XXXX XXXX XXXX XXXX XXXX Account Number XXXX Amount : {$3400.00} This transaction is not listed in the dispute center and when I have tried to call Citi support about it they have hung up on me multiple times. I have tried to contact XXXX  directly but they do not have any phone number published ; ultimately I was able to make contact via email and the company confirmed that neither my account nor my wife 's ( since we have both used XXXX to rent swimming pools ) created a transaction in that amount. I would expect Citi to issue a chargeback to XXXX or to otherwise escalate this issue with them, but they do not appear to have taken any action and Swimply no longer replies to my emails either. 

It's unclear to me as a consumer how I am supposed to handle a large, fraudulent charge like this on my credit card, and I believe I have exhausted the channels available to me through both my credit card issuer and the company making this charge. I'm confused by this whole situation and worried that I will be responsible for a giant charge that I did not accept. ( Note that even by XXXX standards, this is a large transaction. A typical amount would be $ XXXX {$200.00}, not {$3500.00}! ) Dear CFPB overseers- Please help me get this resolved ( either via Citi or XXXX ), so that I can get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am AUTHORIZED USER ON my husbands XXXX XXXX CREDIT CARD ACCOUNT ... .the due date is the XXXX of each month and closes out the XXXX of each month and XXXX of the XXXX is when it reports to the bureaus ... ..on the report date my balance was XXXX ... ..now on XX/XX/XXXX which is not my report cycle ... .EXPERIAN reported my account over the limit at XXXX and dropped my credit score significantly ... I am attaching my statement that closed XX/XX/XXXX and should have been reported in XXXX ... XXXX statement has not even generated yet ... .Please correct this and re-score my file ... .I am in the process of buying a home ... the CREDIT BUREAUS ARE CONSTANTLY WORKING AGAINST THE CONSUMER ... now when this account is at XXXX ... .THE BUREAUSE DON'T REPORT XXXX!! I HAVE TO CALL THEM TO UPDATE MY ACCOUNT!!
Product: Bank account or service

I opened a bank account with Bank of America branch office at XXXX MD on XXXX/XXXX/2015. 
I made a deposit of {$2000.00}. The check was cleared from my XXXX Bank Checking Account on XXXX/XXXX/2015. Bank of America has since put a hold on my account denying me access to money without any legitimate cause. This is a pure profiling and a plot to cause problems in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for Experian boost. Gave my bank and acct number and they raised my score to XXXX from XXXX. 
I pay my bills no problems. 
When I switched banks the other day. Experian dropped my score back to XXXX beacuse I unlinked my bank. 
If a credit like Experian can hike your credit just like that and then lower it on a whim. 
Who gives them the right to mess with my score to play XXXX. 
My score was raised due to me paying my cell phone monthly then I unlink my bank it lowered. This practice is unethical and illegal and proves that they can decide who's credit is good or not.
Product: Mortgage

I was unemployed since XX/XX/XXXX but was able to maintain payments until XX/XX/XXXX. I called them once or twice a month as a sign of good faith. I spoke with one representative early on and was told that by law I have at least 120 days before my loan goes into foreclosure. I continued to make calls letting them know that I was diligently searching for a job, but I was also told that I could not apply for a loan modification until I had proof of income. By the beginning of XX/XX/XXXX I called because I wanted to make at least one payment as I had borrowed from family to get that. The rep would not accept it and said they would only accept two payments, and that I should call back when I have two payments. I got a job by the end of XXXX and called them on XX/XX/XXXX to tell them that I had a job and would call in for the two payments with my first check. On XX/XX/XXXX, as soon as funds for my first paycheck was deposited I called Mr. Cooper to make the two payments. As of XX/XX/XXXX I had not reached 120 days delinquency but they refused to accept my payment and told me my loan had gone into foreclosure. It seemed as though their only concern was making sure they got to foreclose on my home. What type of collection company refuses to take payments? I was been grossly misguided about my options and this is a serious and tragic event. They don't really care about their customers.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX  {$7600.00} XX/XX/year> 15 U.S.C , 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I settled a credit card debt with XXXX XXXX XXXX who sold it to Credit Control, llc under the name XXXX XXXX XXXX & i disputed 7 times the status Failure to pay with XXXX  & XXXX & they continue to say it's valid even w/ copy of ck  {$270.00} pd XX/XX/18, it dropped my score & updated as a Open acct which is also incorrect! The company refuses to fix it saying its XXXX XXXX fault. Call XXXX XXXX they say its XXXX XXXX  fault either way how is it failed to pay w/ letter of payment in Full?? They promised to update as paid per verbal Recorded statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking my report and I noticed some inquires on my report that Im not aware of. I never called in about anything neither gave someone my consent so as you know anything reporting inaccurate on my report should be removed as the FCRA states ... please take my situation seriously Im trying my best to become better financially I have to take care of my family. 

Inquires : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax