23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Transworld Systems Inc has been attempting to collect a debt from me for 2 credit card accounts I acquired while in the XXXX. InXX/XX/XXXX I was XXXX due to injuries I sustained during my time there. At that time these accounts were closed with balances of {$1100.00} for account # XXXX XXXX XXXX XXXX and {$930.00} for account # XXXX XXXX XXXX XXXX. In XX/XX/XXXX my entire tax refund was offset to pay the balances of the 2 credit cards accounts, as well as part of a student loan. Shortly after that a representative from Transworld Systems Inc contacted me regarding a debt they said I owed which at that time they said was {$2100.00}. I requested documentation proving the amount owed because my tax returns had been fully garnished paying a total of {$3200.00} towards the XXXX XXXX. One on XX/XX/XXXX for {$1800.00} and the other on XX/XX/XXXX for {$1400.00}. I then received documentation from them for a XXXX XXXX whom I had absolutely no knowledge of. After discussing this at length with them they said they were submitting it to the fraud department, however, I then started receiving invoices for 2 credit card accounts with different account numbers and balances stating I owed over {$4000.00}. I contacted them again and tried to explain that the debt was not mine, they advised me that it was being investigated by fraud and that it was going to take time. After researching and acquiring more information I showed them proof that the 2 amounts I owed at the time my taxes were offset was the amount they are showing I owe subtracting the interest they have been charging me for the past 2 years. 

I have provided them with proof that this debt has be paid, however, while in dispute it's been crushing my credit and they still have a lien against my tax refund so I have not been able to file my taxes for 2 years. Every time I called them they would say it's being investigated and it will take time. Now that I sent the letter and proof the debt has been paid in full they say they are waiting for a response from XXXX XXXX XXXX XXXX XXXX XXXX and it will take time, but I need to get this taken care of so I can move on.
Product: Mortgage

I was initially laid off from my job of 11 years fellbehind in my payments from XX/XX/XXXX to present. ReqRequested a modification back in XX/XX/XXXX did not rreceive any information from loan servicer XX/XX/XXXX. I had to submit modification XXXX timesuntil representative acknowledge they were theyon XX/XX/XXXX. Then only to be told was n't there afterspeaking to different representative. This went onfor several mos. Always speaking to someonedifferent with conflicting information so I had tosubmit XXXX more time after that. My information wasmixed up with another individual and held up filefrom moving forward to next step. Had to send paystub XXXX times. Tax information was sent fax XXXXtimes to a bad fax number and email XXXX times. 
Lastly after all this just recently told mymodification application was submitted onold forms which they provided to me and Ineed to resubmit on new one this was XX/XX/XXXX I have not reached my selldate XX/XX/XXXX which I believe this was alldeliberate to steal my property withoutgiving me a fair chance to keep it.
Product: Mortgage

XXXX is not doing their job and will not provide return phone calls nor provide customer status. I began shopping for a refi/cash out loan in XX/XX/XXXX with several lenders that I had already qualified with prior to having the conversation with NewRez. In fact, I already had my home appraised and appraisal in hand. The loan officer I spoke with appeared to be professional and knowledgeable, along with having a pleasant personality. He advised they had same product I was interested in which was XXXX my current conventional loan into a FHA loan in order to qualify for cash out I was up front with seeking out of this transaction. With those factors in mind, I moved forward with signing my loan intent on XX/XX/XXXX and it is now XX/XX/XXXX. I was advised that expectation for closing would fall near or around XX/XX/XXXX due to the overwhelmed market handling of refis. I thought that was fair and transparent with having the up front communication. Nearing XX/XX/XXXX, I began making calls to my loan officer and did not receive a return call or response to my emails also sent. I escalated to loan officer supervisor and when no return call then escalated to loan officer 's manager. The next day XX/XX/XXXX, I received a return call from the loan officer supervisor who advised that my loan hadn't been assigned to their UW and he would escalate. They had my completed paperwork for 3 months and it had been sitting untouched this entire time! I was advised they only assign on Mondays and as my call was on a Tuesday, I would have to wait for the next week to hear from the next person a junior processor to contact me which was on XX/XX/XXXX. That went pretty smoothly, except then I get a message on XX/XX/XXXX in their portal it indicated I need to have my foundation certified and then the message disappeared on XX/XX/XXXX. Again, I made several calls trying to confirm what was needed and advised my file would need to be assigned to a processor to advise as the junior processor nor my loan officer could direct me on what was needed before I went out and hired my own engineer. On XX/XX/XXXX I had a processor assigned confirming the engineer certification needed and completed same day with report provided to NewRez on XX/XX/XXXX. Up to date here on XX/XX/XXXX, the status indicates pending review of the engineer report. I began making calls to the processor and my loan officer last week on XX/XX/XXXX and again today XX/XX/XXXX with no return calls. This by far has been the worst customer experience in my lifetime and no one is stepping up to be accountable or responsible to ( 1 ) do their job ( 2 ) manage your employees ( 3 ) give a care about your customers. I am already an existing customer as well.
Product: Mortgage

I had a loan with XXXX XXXX  which sold my note to Statebridge Company. I sold / closed the sale on my home on XX/XX/2018 and the mortgage was paid off on this date with a good through date XX/XX/2018. I have been trying to get my refund from Statebridge. I have made numerous calls and all I get is either - will call you back or leave a voice message and no calls or help or refund. I made my XX/XX/XXXX payment before closing, when I closed on XX/XX/XXXX my escrow co sent funds for XX/XX/XXXX-XX/XX/XXXX along with they paid the property taxes in addition to Statebridge paid . 

Im not sure why the mortgage does not report my taxes paid on my XXXX, as they are paid through my escrow account on my mortgage. Im hoping that you would be able to assist me on getting my refund and a corrected XXXX.
Product: Credit reporting or other personal consumer reports

I have found fraudulent hard inquiry and request to be removed from my credit report XXXX XX/XX/year> | XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF FOR THE 2ND TIME! 

I started disputing on XX/XX/XXXX some accounts that I don't believe have been reporting accurately with the bureaus. I never received a response from them so I redisputed on XX/XX/XXXX and again on XX/XX/XXXX. When I filed my first complaint on XX/XX/XXXX that also included my 4th dispute to the bureaus because in all that time, they have never corresponded with me!
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 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 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 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
Product: Credit reporting or other personal consumer reports

Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Transunion any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX
Product: Credit card or prepaid card

In XXXX I received a charge from XXXX XXXX on my XXXX XXXX credit card. I do now have an account with XXXX XXXX or their finance company BridgeCrest. I called numerous times and was not able to get anywhere until I made a complaint with the CFPB. I was contacted by XXXX ( no last name ever provided ) and was asked to send a copy of my credit card bill and a police report. 

They opened a log XXXX. XXXX called me back saying they 've completed their investigation and refused to provide me the resolution. She will not provide me an answer to 1. How did this happen ( phone, online etc ), 2. What kind of transaction this was, and 3. How will they prevent it from happening in the future. 

I have already contacted XXXX XXXX and the charge has been reversed but XXXX XXXXBridge Crest has refused to provide a resolution on their end.
Product: Debt collection

FCO has been trying to collect money from me for an apartment that moved out of and paid in full back in XX/XX/XXXX. I gave the leasing office a 60 day notice as I had gotten a new job to relocate out of state. I told The XXXX XXXX  XXXX prior to signing my lease that I would probably be moving due to my job and they said it would not be a problem as long as I give them a 60 day notice, which I did. I was told when I moved out XX/XX/XXXX and gave them the keys that I did not owe anything because I gave them the 60 day written notice. At that time I moved from XXXX Florida to XXXX XXXX and they said I was good to move with no more financial obligation. I began seeing Fair Collections and Outsourcing on my credit report late XX/XX/XXXX and immediately I started disputing with the credit bureaus. I've been disputing with the credit bureaus every since. They claim I owe a balance of {$2900.00} and that is not the case. After dispute after dispute, in XX/XX/XXXX I finally saw that XXXX had removed it from my report but the other reports still shows the collections so I contacted the collection company directly. They were extremely rude and threatening to sue me. Just to be done with them I sent a pay to delete letter, just to get them off my report so that I can find a decent place to live. I called back a few weeks after I sent the letter and was told they were willing to settle for {$700.00}, please keep in mind I never owed anything per the apartment complex. When I tried to contact the apartment complex they say contact the credit bureau, the credit bureau say contact the collection agency, it's a vicious cycle. Anyway, I agreed to settle for the {$700.00} and they said they would be emailing me a confirmation of that pay to delete settlement amount, 3 weeks  later, no letter and now when I call I get someone different everytime who claims to know nothing about the agreement and demands me to pay the XXXX in full. This has gone on long enough, I want my account deleted because I don't owe the debt they are claiming. I was merely trying to settle to finally get a decent place for me and my kids to live. 
This company continues to harass me even though I've tried to work with them, now they are threatening to sue. This is beyond ridiculous. This is impacting my life and financial freedom to provide for my family as it is being reported to my credit file.
Product: Debt collection

ARS Debt collection contacted my family member by phone on XX/XX/year>. They violated FDCPA by going into the detail of the debt, how much is owed and that they were going to sue me if they could not reach me. They are not allowed to contact members of my family unless theyre asking for address or number. They are not allowed to explain the debt or any personal information regarding the debt to a family member. They have violated that and should be held accountable.
Product: Checking or savings account

Charles Schwab Bank XXXX NV holds a checking account where I have had several questionable EFT transactions occur since XX/XX/2020. I first talked with a representative of Charles Schwab Bank in XX/XX/2020 about a suspcious debit of {$2500.00} out of my bank account. The Schwab Bank representative records will show agreed with my assessment and reversed the debit to my checking account. This unauthorized debit occurred once again on XX/XX/2020 ( Schwab once again credited my acct. ) and then again on XX/XX/2020 for the same amount {$2500.00}. At this time XXXX XXXX at Schwab Bank told me via email and on the phone that the previous Schwab representatives did not handle the debit/credit to my bank account correctly ( see emails ). He then told me he would file a Fraud Claim and process the credit of {$2500.00} back to me in a " couple of days ''. At this point it has been several weeks with no response from Schwab Bank and Mr. XXXX. Schwab Bank accordingly to research I did through the Federal Reserve Bank is holding my {$2500.00} and is not releasing the monies back to me.
Product: Checking or savings account

Cash app allowed a withdrawal of {$560.00} that I did not authorize the person and I couldnt contact a person thru cash app all they offered thru the system was request it back and also my bank couldnt stop it since it happened on a Saturday
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I request that the following accounts be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts have been compromised or fraudulently opened as a result of the breach. 
The affected accounts are as follows : Account Information : 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 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 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Me and my husband both have Jared the Galleria of Jewler accounts we had been paying accounts and some confusion happened and payments were accidentally made to the wrong accounts. We are trying to close on a house and were made aware of this issue.
Product: Mortgage

My name is XXXX XXXX. XXXX and I live atXXXX XXXX XXXX XXXX, XXXX, CA XXXX. I have not received an answer from the Chase bank as to why they paid XXXX to anyone in my name. Since 2007, I have asked for this information and to date the ChaseHomeMortgage dept. has not rendered same to me. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent. 

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Payday loan, title loan, or personal loan

I had called the company in regards to high interest rate and they told me that is the way it goes and hung up on me ... I called again and asked if it could be lower and told them in state of Minnesota they could not charge that amount and they told me they could charge whatever they wanted, as they are covered by XXXX XXXX XXXX. But after talking with the states Attorney General they are not licensed to operate in Minnesota or to be federally regulated. So I called them again cause at this point I could no longer access my account online to check out my history. But they refused to tell me why my account was not active, they told me it was my website but it wasn't as it told me their was a payment coming and you don't have access at this time. So they lied to me ... Second I have made XXXX payments with approximately XXXX made to this account and I'm getting past due notices saying I owe more than I borrowed ... I borrowed XXXX on XX/XX/XXXX. They have applied no payments to my account.
Product: Checking or savings account

Good morning, I would like to file a complaint about Webster Bank. Here is a timeline of our experience : 1. We originated a home mortgage in XXXX and a condition of our rate was to pay from a Webster bank account. We established a checking account for autopay and transferred the mortgage amount to that account each month. This worked great for 7 years.

2. Earlier this year, Webster changed their policies and started assessing a {$12.00} fee per month. I only learned about this after the fact and wasn't told that this new fee was being added and only found out in XXXX. In a recent call, Webster Bank said this change happened when they merged with Sterling Bank. During that merger, my checking account was separated from my personal account, so I never received notification of the fee changes and also stopped receiving checking account statements. 

3. Because I only sent enough money to that account to pay the mortgage ( and not the fee ), I started getting overdraft fees. Again, I wasn't told about this and I only found out in XXXX and was never notified of the fees or the overdrafts themselves. 

4. In XXXX, my mortgage payment was made on the first, but then was reversed on the XXXX without my authorization. When I called Webster Bank 's mortgage department, they said they could confirm the payment was reversed but not applied back to my checking account. They can't tell me where my mortgage payment of {$3200.00} went after being reversed but did say it was not in my checking account. They did confirm that they did, however, apply a late fee to the mortgage because the payment was reversed. 

5. It was during that call with the mortgage department that they told me about the new checking account fees and my overdrafts. I went to check on the checking account and the account was no longer associated with my Webster Bank online profile. So I can't verify the charges, access my own checking account, or see if the mortgage reversal went into that account. 

As it sits now, I still don't have access to my checking account. Webster Bank hasn't reversed the fees or given me access to my checking account. Webster Bank can not tell me where my mortgage payment is or what happened to the money after the mortgage payment was reversed. They can not tell me why the mortgage payment was reversed. 

I find it appalling that Webster Bank would : 1. Change the checking account fee structure after 7 years of having the account 2. Not notify me of the fee changes 3. Not notify me of the overdrafts 4. Reverse a mortgage payment without my direction 5. Not be able to tell me where the reverse payment went. 

I was only contacted by Webster Bank after they reversed the mortgage payment to tell me that I missed a payment ( that I had made 6 days prior ). 

I would be happy to provide any additional information that you may need. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported to LexisNexis that I had an at fault accident on XX/XX/XXXX, which they sent me a letter ( included ) stating I am not at fault. This was never updated with LexisNexus after numerous complaints to XXXX XXXX and LexisNexis. I have been trying to correct this since XXXX and it still has not been corrected. There is no phone number for LexisNexis that will connect me to a live person and their website tells me to call a number that nobody answers and it mentions nothing about how the dispute process works. Ive also mailed the letter from state farm to them on numerous occasions and no response ever came.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not the first time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late in XX/XX/2019 on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have provided copies of my bank statements from XXXX XXXX XXXX proving that the mortgage payments have been paid on time. I have not now, nor in the past, been late on these payments. This is clearly an error in reporting and this incorrect reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these however, I have not been successful.