23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Was contacted by XXXX XXXX ( XXXX XXXX ) at XXXX on XX/XX/XXXX. When we tried to get more information about the debt and the amount, they would not provide a break down saying that they were only sent the total. No information was provided about being able to dispute. When I asked for more information, I was told repeatedly that if I did not pay during this phone call, my credit would be damaged and that I would be threatened by legal action and that they would potentially go after leans or wages. The agent kept referencing our original lease agreement, but we had renewed our lease so that would not have been the correct document. Further, when I tried to ask questions, XXXX would remind me that I had possibly said something else and that the call was being recorded and that she would use the call against me in further matters. The fast pace of the call and threats were disorienting as it was clear she was trying to bully us into paying the amount despite not receiving the correct information from her. 
I was eventually granted an hour to do more more research, though I really should have been given even more time than that to look into the matter. 
When we called back, we could not get XXXX on the phone even though we were given her direct extension. 
We spoke with XXXX XXXX who 1st did not why we were calling as there was no case number associated with our names and then he gave us a different set of information. For example, that we now owed {$320.00} instead of {$310.00} because of interest. It was unclear if that interest was daily or monthly. He also stated that the matter was sent to them on the XXXX at XXXX XXXX, but as stated, we were not notified until the XXXX. 
We also never were sent any information via mail. 
We attempted to get off the phone and asked for more time ( even just 30 minutes ) with IQ but were threatened that in doing so, our credit would be harmed and that we would owe even more money. At this point, we were speaking with XXXX again and she stated that we could have taken care of this by now and she continued to use abusive language and threaten us. We finally hung up and tried to sort through the situation. I then received multiple calls from them ( XXXX, XXXX ). 
Because of all these harassing phone calls and communication tactics and threats to take negative action, we were pressured into paying the amount that is in dispute with our landlord as it does not appear to be a valid debt. Also, when we asked about the creditor it was suddenly revealed that the matter had not yet been sent to a bureau which goes against everything they had just told us on the phone.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX PayPal permanently limited my account with over {$11000.00} in it I have been a customer for over ten years. I only had my salary direct deposited in it. There have been no charge backs or anything that would break there rules. My salary is variable and has increased over the years, they are holding my funds for 180 days. These funds are can not be reversed this is not right. They have not given an explanation after numerous calls to no avail. Without a resolution I will seek a legal one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rushmore Loan Management Services LLC on behalf of XXXX XXXX ( Recent ) has not reported my Mortgage to the credit companies in 6-7 years since I was sold to them from XXXX. Making it look like I do not own property and am not getting the credit I deserve.
Product: Debt collection

XXXX XXXX XXXX is reporting to be collecting on an alleged debt. Upon review of the Florida Office of Financial Regulation they are not licensed in the State of Florida. Supporting documents attached. Their license expired in 1997. How is this legal?
Product: Debt collection

PORTFOLIO RECOV ASSOC. amount : {$420.00} on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of ..... 
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

THEY NEVER RESPONDED
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX THE NAME OF CREDITORS AND DATE OF 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 XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA ( XXXX ) 15 usc 1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize.

15 U.S.C Section 604 A Section A : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

i do not know what this debt is, i never opened a XXXX  account in XX/XX/2018, i did an XXXX  dispute and they wont take it off my credit report. i've had XXXX  for 7 years. 

Account Name Original Creditor Open Date Balance Debt Contact Information XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/2018 {$730.00} {$730.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, these accounts I had nothing to do with that are showing incorrectly on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1692g ( Validation of debt ) ... 15 USC 1692 ( Legal action by debt ) ... 15 USC 1692e ( False or misreading representations ) ... 1681s-2 ... Here are the accounts I would like to get Removed A.S.A.P ... XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX ... Since these companies are not the original creditors they can not validate the debt please delete A.S.A.P ... Thank you...
Product: Mortgage

Select Portfolio Servicing, the company that service my mortgage has increased my payment starting in XX/XX/XXXX without any explanation, from {$600.00} to {$1000.00}. This loan is part of the bankruptcy discharged on XXXX XXXX. They are now calling me and harassing me demanding the payment. 

I have requested a modification since XXXX XXXX Also I have sent all the documentation and they are in the back and forth asking for more information. 

I lost my job recently since this one was a seasonal job. But income from unemployment is coming to pay the mortgage. 

I want this harassing stop and keep my payment of {$600.00}. Please help me and intervene so all these stop. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX # XXXX
Product: Mortgage

My loan originated in XXXX of XXXX with World Savings Bank. World was bought out by XXXX, who was then bought out by Wells Fargo. Prior to the loan transfer, my XXXX statement disclosed a pay off date of XXXX XXXX  This loan is a bi-weekly ARM, based on the Cost of Savings index. At origination, the interest rate was nearly 7 %. 
Since interest rates have not trended above 7 % since origination, and we continued to make timely mortgage payments, we assumed a loan payoff date of XXXX XXXX 

Over the last 1.5 years, we saw subtle changes in the 'payment due ' area of our mortgage statements. Long story short, I contacted Wells to determine when the loan would be paid off. Our mortgage statement reflected a XXXX maturity year, exactly 30 years. I explained that as a former loan originator, I knew exactly what the benefits of the loan program were and how payments would be applied -- payments would be applied to principal every 14 days, which would shave 6-7 years off of the loan term. WF essentially said there was no way they could truly provide an amortization schedule based on an ARM. If the former lender ( World Savings ) provided one, why can't WF? 

I escalated my complaint to the Illinois Attorney General 's office. They were not able to do anything, except facilitate communication between myself and WF. My goal is twofold : 1. To determine if other WF borrowers with bi-weekly mortgages face the same challenge? 
2. To reflect the mortgage as paid in full. 

If you have any questions, feel free to contact me at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time writing you to update my personal information. I submitted a dispute on XX/XX/2022 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX  NY XXXX
Product: Mortgage

Last month, I made a payment online for my monthly mortgage payment. I received an email from the loan servicer confirming that my payment had been processed. This month, I went to make another payment online and found that the loan processor had not processed my payment from last month and was going to charge me {$10.00} for late payment for last month 's payment, plus I now owe for this month. I paid both payments online, including the {$10.00} late fee and then called to see what happened to last month 's payment. The loan servicer confirmed that they received the online payment last month, but had no idea why it didn't go through. She said it was probably an internal processing error on their part. However, she would not refund my {$10.00} late fee because she said her system wouldn't allow it, and it was too bad that I didn't call to pay over the phone because then they could have removed the {$10.00} late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made my normal payment of {$1000.00}. My mortgage payment had increased to {$1100.00}. I had no previous knowledge of the increase either electronically nor through regular mail service. The normal payment was received on XX/XX/XXXX but was not applied to my mortgage payment due to the {$100.00} that was short. I received a letter dtdXX/XX/XXXX stating my mortgage was in in default. They held my payment for the entire month of XX/XX/XXXX and would not post it until they received the full balance ( of which I was unaware until the letter ). I quickly made the payment and adjusted my monthly payments. On XX/XX/XXXX I received a email from XXXX stating my credit score had dropped. I went to the website and found out the mortgage company had reported a missed mortgage payment which in turn dropped my score 90 points. Point one : I never missed a payment, they had it all along. Point two : if my score had not been excellent, this would have dropped me into the fair to poor credit range. Point three : if I had needed to purchase something on credit I would have been forced into a higher interest rate due to XXXX XXXX 's misleading information. If they did this to me what are they doing to others with less credit scores. This provides markets to capitalize with higher interest rates forced onto consumers. From the time I purchased this house I have never been late nor missed a payment. This was an error on their part and I refuse to stand by and be manipulated and I do not want to see this happen to hundreds or thousands of other consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for over a year to get a XXXX doctor bill removed from my Equifax report. i have provided the agency 6 times with my XXXX health insurance number that repeatly was sent to XXXX XXXX this bill is from 2015 ( over6 years ago ) .. Equifax is steadily lying saying they verified the debt, all in 30 min of the disbute. This is a doctor bill and by law they can not keep this on my credit report especially if i do not owe it.
Product: Checking or savings account

XX/XX/year> - I have not received my direct deposit. This seems to be a wide spread issue and I'm concerned about the companies ability to pay me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX who is the one who reported on my credit. They said they charged off the account it was sold off to NES. NES sent me something in the mail to settle the debt with a one time payment which I paid XX/XX/XXXX. I then filed a dispute with XXXX to get it fixed. XXXX XXXX  rejected my dispute, so I then sent more information to XXXX. Documentation from NES showing the account from XXXX XXXX was paid and I now have a XXXX balance. XXXX XXXX refused to still update my credit, saying I still owed the money. I should have just kept my money if I knew they were going to do this. You would thing XXXX would see that it was paid and fought harder to get it taken care of but they arent either. XXXX XXXX  is still hitting me credit as of XX/XX/21 with negative feedback. I dont know what else to do!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is account on my report from XXXX for {$3100.00} I tried calling XXXX and was unable to resolve the issue. 
I had closed the account back in 2018 - all devices were returned back. The amount being collected from XXXX is not correct. 
I want this account removed from my credit report. 

This credit company has never intended to contact me or send me any mail about this. this just showed up on my report. I tried calling this office : DIVERSIFIED ADJ SVC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Very unprofessional could not provide me any information. This is a scam I want this off my report Or I will be contacting other agencies and the business bureau and other official offices.
Product: Credit card

My Mastercard with USAA was compromised, and I was a victim of Identity theft. I was checking online for a statement since I did not receive one for the current month and there were many charges from XXXX listed. I never made ANY of these charges, and my concern is why did n't the USAA Fraud / Security department alert me to these charges. I have had the Mastercard since XX/XX/XXXX, and have NEVER purchased anything thru XXXX. The first charge was on XXXX XXXX, XXXX and continued thru XXXX XXXX, XXXX. There were XXXX charges to XXXX XXXX, totaling over {$9000.00}!!! When I called USAA, all I got was : " gee, I 'm sorry. I do n't know how that could have happened. You must have fallen thru the cracks! '' How can I have confidence in a company that does not monitor accounts? All but XXXX of the charges have been credited, the account was closed and I have received a new card. But there are XXXX remaining charges from the same XXXX XXXX, totaling {$1400.00}. I have tried 4 times to get someone from USAA Fraud/Security to correct these charges. First on XXXX XXXX, then on XXXX XXXX, then on XXXX XXXX, and finally today on XXXX XXXX. After being " On hold '' for 20 minutes each time, I spoke to a rather incompetent agent who merely said " Wow, there 's alot of charges and credits. I 'm sure it will be fine. '' I still have {$1400.00} outstanding that I did not charge. He did n't know what to do, so I asked to speak to a supervisor. After being " On hold '' again for about 7 minutes, he said he 'll take care of it. What?? I want to speak to a Supervisor. He said they 're too busy now and will call back. That was 4 hours ago. I am very upset and frustrated with USAA, who portrays itself as an aid to military- ( my husband and daughter are military. ) The fact that this happened in the first place is very upsetting, but the fact that USAA is not trying to resolve this is more concerning!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Updated : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, someone forged signature and withdrew {$2000.00} from our account.

We found out and filed claim with Chase several days later. After about a month, Chase notified us our case was denied as they have atm card and pin correct. But we reopened the case as signature doesnt match. We gave all documents requested but after nearly four months and numerous calls, our case doesnt have any answer or even being processed. Chase keep tell us it will be processed within 5 business days but nothing happens
Product: Student loan

I 've tried several times to get into the student loan forgiveness program and Navient has denied me each time. I work for a XXXX XXXX and I was told that the forgiveness program could help. But Navient denied me access to the program.
Product: Credit card or prepaid card

I graduated XX/XX/XXXX and was told I'd get my security deposit of {$500.00} back within 2-3 business days. I did not receive it so I contacted customer service and was told I had to wait a full 30 days to give postal the " proper time '' to deliver my check. They confirmed my shipping address. 

I waited a full 30 days ( and then some ), and I contacted customer service again on XXXX through the chat feature and was told they would resend. I also called on XX/XX/XXXX. They told me they would re-send the deposit and that I should receive it soon. Yet again, I did not receive it and I contacted customer service again on XX/XX/XXXX ( another full 30 days and more ) and was told AGAIN that I had to wait another full 30 days for my deposit before requesting for another check. I am extremely frustrated as my security deposit of {$500.00} has not come back after I was very timely on all of my payments. I should not have to wait 2 months to receive a security deposit and when asked for them to investigate, they said I had to wait another 30 days...
Product: Checking or savings account

XX/XX/XXXX My Citibank checking account balance was {$50000.00}. I initiated a {$25000.00} transfer to my XXXX XXXX account. The money went to XXXX XXXX and they disbursed it as I requested. On XX/XX/XXXX at XXXX p.m. I received insufficient funds notice from XXXX XXXX that Citibank had reversed the transfer. At XXXX p.m. I received e-mail from Citibank that my transfer had been canceled. I called Citibank immediately and was told I would have to wait till Monday & call a different number. On Monday I called & first XXXX people I talked to hung up on me because I was asking why transfer was canceled. Next person I talked to transferred me to an " account specialist '' who transferred me to someone named XXXX who also hung up on me when I wouldn't accept his answer that he couldn't tell me why transfer was canceled. He said he could see the account but would not tell me anything. He said a letter was sent to me on XX/XX/XXXX. I called back and got someone else who said they were sending a letter that day & they couldn't tell me anything until I got the letter. Said I will get it 7-10 business days. I asked for a supervisor & was told a fraud supervisor would call me back in XXXX hour. I got no call. Called again & XXXX said he would call me right back. He did not. I had now been on the phone all day. I called back at XXXXXXXX XXXX. & XXXX told me supervisor XXXX would call me back in XXXX minutes. She did not. At XXXX p.m. after holding for XXXX minutes XXXX said someone would call me back. No one did. I started all over again the next day & spent all day on the phone again. Someone who said his name was XXXX transferred me to another fraud department. I got XXXX who told me no one can see my account until I get the letter they supposedly sent on the XXXX. I finally gave up and decided to wait the 10 days to receive the letter they supposedly sent. It has now been 14 days and I still haven't received a letter. During this whole process I had asked several times if they could send me a certified letter or XXXX so I could go ahead and get this mess straightened out. They always refused. I called back once more today ( XX/XX/XXXX ) and got a recording that the bank was closed. NO ONE WOULD TELL ME WHY THE TRANSFER WAS CANCELED AND THEY STILL HAVE NOT RETURNED THE FUNDS TO MY CITIBANK ACCOUNT.
Product: Debt collection

My identity was stolen. I tried to dispute the account. They then made new accounts with the same account numbers and claimed they sent it to an attorney to sue me for dept that WAS NEVER EVEN MINE. I am very angry about the situation and it never seems to get resolved. It needs to be taken off my credit
Product: Bank account or service

I am a US Bank NA customer & I have a complaint about the way the bank charges overdraft fees. The bank will tell you that you have until XXXX to deposit funds that will be credited to your account the same day. Yet I have checked my account as late as XXXX in the morning & it will show a positive balance only to check again later in the morning & find that they have processed checks, added to my account for the previous day which makes it overdrawn. They then charge me overdraft fees for those checks and/or debits added the previous morning. This seems to be a way for the bank to continuously collect overdraft fees. If I knew there were outstanding debits that were going to hit my account on a certain day I could try to cover them. When I do n't know then I assume my account is in good standing until at least the next banking day. This definitely puts the consumer at a disadvantage. If XXXX is the cutoff for a business day then the bank should not be allowed to post debits to accounts the next day as they have done to me on numerous occasions. I can only imagine how many other customers go through this.