23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt collection account : Account Name : XXXX XXXX XXXX Account Number : XXXX Original Merchant Balance Amount : unknown Collection Balance : {$8800.00} Original Merchant Name : XXXXXXXX XXXX Being reported to XXXX and Equifax XXXX has been disputed due to inaccuracy in XXXX, XXXX, and XXXX of 2022, via certified mail with return signature receipt ; and the most recent letter sent out around XX/XX/2022. Each letter included specific instructions and request for the account to be accurately verified and validated as pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) by providing copies of original contracts and payment agreements with my signature, and a description of their investigation process to include the name and contact information of the person who was spoken to verify the information and the date of which that person was spoken to. My requests also included instructions for the disputed item to be removed from my credit report if such proof of validation could not be provided. Each of my requests were responded to with computer generated response that stated only that the negatively reporting accounted had be 'verified as accurate ', but no proof or validation of the debt has ever been provided per my instructions. 
Validation requests were also sent to the reporting collection agency, XXXX XXXX XXXX and have been ignored with no response.
Product: Mortgage

On XX/XX/XXXX I spoke to XXXX XXXX XXXX at XXXX XXXX XXXX   about refinancing my property. He told me that he would assist me and asked that I send him over information that he needed to process my application. I sent the information to XXXX via email on XX/XX/XXXX. XXXX called me back and stated that my file has me listed as white, but I don't sound white. I told him that I have been listed as white since XXXX and I mentioned it, but it was never changed. 

On XX/XX/XXXX I contacted XXXX via work phone, cell phone and email, but he did not answer, or respond. I wanted to find out the status of my application. I also called the main number several times, but no one answered the phone. I finally spoke to XXXX on XX/XX/XXXX. He requested additional information and some information that I had already sent to him in XXXX. I expressed this to him in the email. 

During the next 4 conversations that I had with XXXX, I asked him why was the process taking so long. He stated that it was underwriting fault and he had been on them to get my application processed. XXXX also stated that underwriting was not able to get my account number from XXXX XXXX. He stated they called XXXX and was told they could not provide them with it. I asked XXXX why didn't he just ask me for the number, I could have provided that weeks ago. He stated that he didn't know why underwriting didn't think to do that. 

I contacted XXXX XXXX  and asked about the process for the request from Village Capital. The representative that I spoke to stated that they would not have told Village Capital that they could not supply the information. At that moment I put XXXX and XXXX on a 3 way call and expressed this to XXXX. He stated that underwriting must have lied and never called. 

Around XX/XX/XXXX I contacted XXXX again to get an update. He stated that he would contact underwriting and call me back. XXXX called me back and stated that my application was not approved because of my income. I had XXXX go over my income and noticed that he had not included all of my income and that I sent the documentation to him back in XXXX. He went through his email and said that he saw it and would call me back. 

XXXX called me back and stated that underwriting still didn't approve it and that he was sorry.
Product: Debt collection

Debt is not mine. Do not have a paypal account. I want all communication to stop. Immediately.
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 : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX 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: Student loan

I am writing to you because this has been an ABUSE by the Ferderal Student Aid Department. They are overcharging me and have closed two feedback cases without resolution or actually speaking with me and giving me an explanation of their decision. I do not know whom else to contact. It was actually a Federal Student Aid representative that noticed the error and asked me to open a complaint. I do not know why the Ombudsman Group can not see it.

I have opened two cases : Feedback Case # XXXX Date Submitted : XX/XX/XXXX Feedback Case # XXXX Date Submitted : XX/XX/XXXX 1.For the XXXX aid year, the total loans awarded was {$9600.00} for the year. However, the servicer is reporting a loan of {$14000.00} for the loan date XX/XX/XXXX. This amount needs to be corrected as it is presenting a higher balance than what I should have. 

2.For XXXX aid year, the total loans awarded was {$4500.00}. This amount is correct. 

3.So in total I was awarded roughly {$14000.00} ( {$9600.00} + {$4500.00} ) for my whole program XX/XX/XXXX- XX/XX/XXXX. 

4.I made two payments : {$4600.00} on XX/XX/XXXX {$4800.00} on XX/XX/XXXX TOTAL PAYMENTS : {$9500.00} 5. {$14000.00} ( CHARGES ) - {$9500.00} ( PAYMENTS ) = {$4600.00} My remaining balance should be roughly {$4600.00} ... ... NOT {$9800.00}
Product: Checking or savings account

I created an account with American Express Serve, they suspended my account in XXXX, and have not disseminated any information as to why they suspended my account, nor released the funds that are currently sitting in that account. 

Timeline  : XX/XX/XXXX - Added {$200.00} to the account XX/XX/XXXX - Added {$200.00} to the account XX/XX/XXXX - Was locked out of account, noting an issue with my email/password ( est. ) XX/XX/XXXX - Called the customer service line, was originally told that it was a security issue but they were unable to unlock the account. I was passed off to another rep and they told me that they couldn't unlock my account either. 
XX/XX/XXXX - Received an email notifying me that my account was locked, and account privileges suspended due to violating terms 15b of their agreement. No other information in the email noted why my account was suspended or what 15b was. 
( est. ) XX/XX/XXXX - Called to resolve matter, was told again that my account privileges were suspended for violation of 15b. When asked what that was, they responded that they couldn't tell me that information. I was told that they would send an email with more information in the next couple of weeks ( this email did not come ). I requested to have the account closed and release the funds. I was told that they would email me with information regarding the case ( this email did not come ). 
XX/XX/XXXX - Called again to Identify what the hold up was with the release of funds. I spoke with XXXX whose extension was XXXX, and whose manager 's name is XXXX. I notified them that I had requested to close my account and that the {$400.00} in funds were not released. She assured me that they would handle the situation and that they would report it to the appropriate team. I requested to speak to said appropriate team, and was told that was not possible, they are not reachable by phone. She said that I would receive notice on the release of funds with 1-2 days. I let her know I would reach out to the CFPB in the event that they did not release the funds in 2 days. 

I have also received weekly account updates from Serve, notifying me of the {$400.00} that is sitting in my account. 

Any time I have attempted to call to get information, I have been assured they would fix the situation, and then I receive no mail, no email, no notice on why the account privileges are suspended and my account is locked, allowing me no access to the {$400.00} that I put in it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX opened a collections account on my credit reports on XXXX XXXX,2017. The only reason I know this is because I have credit monitoring accountt. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then XXXX XXXX has come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with XXXX XXXX. I ca n't any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudelent trade on all CRAs ASAP! I will sue!
Product: Debt collection

I keep getting harassing phone calls at work and home after asking them to stop the calls. They have threatened me, my job, impersonated attorneys, judges and law enforcement officers. They are rude and never even identify themselves as debt collectors. I want the harassment to stop immediately. I told them to leave me alone and remove it from my credit report since the information is not accurate. They laughed and told me to go " XXXX my mother in the XXXX with no XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to view my credit score for an upcoming potential apartment lease, so I paid for a subscription to trans union to be able to view my credit report back in XX/XX/XXXX. I was supposed to be able to see my report and see how to better my XXXX XXXX. I used it once and then forgot about my subscription till about 2 months ago. At which point I remembered what the charge was for this website trans union. When I went to go cancel it, the website kept giving me the run around and trying to get access to my account itself was extraordinarily difficult. No matter how I tried to view my account it would never let me past the login info page. I knew what the answers to my security questions were and it continued to tell me that my answers were incorrect and that i would have to call to get help with access to it. I tried calling multiple times over the course of a few weeks along with attempting to still access my account via the login page to no avail. Finally this morning on XXXX the XXXX of XXXX, after a couple tries, I was able to talk to a representative and cancel the subscription for good. They were charging me since XX/XX/XXXX, without me being able to access the account or view my credit score, and I was unable to get anything from it past the first time I used it. In my view these charges are fraudulent / " services not rendered '' as they haven't been providing the service I was paying 20 dollars a month for. I want to be able to recoup those losses if possible, and I want to make sure the service is actually canceled.
Product: Checking or savings account

On XX/XX/2023 I deposited a check into Navy Federal Credit Union Mobile deposit requesting Lawful money for any and all past, present and future funds deposited into or transferred out of any accounts held in my name be redeemed in lawful money per 12 USC 411, 95a ( 2 ) for a special deposit. I tried to sign into my account and it was restricted and instructed me to call the branch and when I did that resulted in them closing my account without my consent.
Product: Credit reporting

This is a complaint against Factual Data, to request removal of my XXXX credit report dated XXXX/XXXX/2015 and XXXX/XXXX/2015. This inquiry to my credit was not authorized by me, has been without my authorization, I do not have any product or relationship with you, no Loans product, therefore I make this request to immediately remove this inquiries that appears in my report and that affects my score negatively, and request adhere to the laws of fair credit and stir to eliminate an error that is not mine and never authorized, I appreciate your prompt help to my request
Product: Mortgage

Complaint against Chase Mortgage Department We received a letter dated XXXX XXXX, 2016 from Chase ; Chase had provided with copies of the correspondence letters sent to us when requesting loan assistance and mortgage assistance. 
However in any of the packages sent to us for loan modification mentioned about opening escrow accounts when applying for loan modification. It was never disclosed that just because we applied for loan modification Chase will paid in our behalf property taxes. 
We had and continue pay our property taxes and had never been late nor delinquent of it. This information has been confirmed with the XXXX XXXX XXXX tax collector. We had never missed a tax payment since it 's a priority lien and we want to make sure that we are in compliance with the law. There was never a written documentation specifying that Chase will open and pay our property taxes just because we applied for loan modification, a loan modification that was never approved. We the clients strongly agree that Chase had committee fraud and misrepresentation in regards of opening an escrow account and paying property taxes without our authorization. There were never any legal rights for it and nor XXXX XXXX and XXXX XXXX had ever agreed for Chase to allow to pay property taxes. We had never provided a written consent for it. 
At this point the borrowers XXXX XXXX and XXXX XXXX want to enter into a settlement agreement with Chase in regards to loan number ending XXXX. Since Chase has misrepresented the mortgage loan and without representation made tax payments in behalf of the borrowers without proper approval nor informed the borrowers about any of these acts '. The XXXX XXXX tax collection agency received in XXXX occassion double payments XXXX from us and XXXX from Chase and XXXX time the refund came to us and the other time it came back to Chase. We the borrowers are now looking for a settlement in regards to this mortgage loan and to release a lien on our property. During the market crisis Chase was not in the capacity to deal with a high demand on backout loans and they were not prepare to handle loan modifications for what they did whatever was convenience to them. 
Please notify the borrowers the amount of the settlement or legal actions to Chase and its mortgage subsidiaries will be continue. This notice will be submitted to Consumer Financial Protection Bureau and other governmental agencies.
Product: Credit reporting or other personal consumer reports

the following inquiries on my report are fraudulent sync/lowes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

For financial reasons I need a copy of a loan document from 2008. The mortgage was with GMAC, now known as Ally Bank and Ally Financial. Ally 's XXXX customer services lines provide no help. They have no record of my loan number or even my SS #. I have been given XXXX other numbers to call. XXXX are " not in service '' the other rings and a recorded message answers ( without identification of the company ) and asks callers to leave their ss # on the recording. The Ally website has no phone number for the corporate office and the customer service reps do n't either. When I called the XXXX department, that number also asks the caller to leave a message and once again the recording does n't identify the company. How can a financial company, let alone a public company, be permitted to remove its managers and executives from contact. I am going to lose a contract on a house because I can not get a copy of an old loan document.
Product: Debt collection

I noticed a debt placed on my credit report from CBE Group from XXXX XXXX ; stating that I opened an account with them in XX/XX/XXXX. This is inaccurate because XXXX XXXX was not servicing the area I live in and I have been with another Cable Provider from XX/XX/XXXX - until this present time. So the date of the open account is inaccurate and false information. And if this indeed a bill older than the year of XXXX this needs to be deleted. 
The amount of the charge is {$350.00} which I have mailed a letter to all 3 credit bureaus disputing this issue and mailed a letter to CBE Group.
Product: Mortgage

Before my mortgage was sold to Freedom Mortgage, my principal and interest payments would go down each year. Since the time my mortgage was sold to Freedom Mortgage they keep increasing my mortgage payments. They do not give customers time to add extra amounts into their escrow accounts if they are short before the new year starts. I understand if you do not have the extra amounts in your escrow account, taxes increase and homeowners increase, you mortgage would increase. If you are even short by {$6.00} or {$40.00} dollars they do not give consumers the time to cover that shortfall within a reasonable time. I have never worked with a mortgage company like this prior. All other mortgage companies let you cover your short fall so your payment does not increase. Last year was the first time this company lowered my payment because I made a big stink the prior year. I had over {$900.00} in extra in my escrow just to make sure they could not increase my mortgage. This year again, they have bad practice as usual. I had over {$700.00} in escrow to cover any increase on my homeowners insurance and my taxes for the year 2025. They increased my mortgage again. The amount is small, {$17.00} from last year. I had more than enough in escrow to cover the difference. Instead they returned it to me? This should not be happening with increases when you have enough money to cover the differences in escrow. I spoke to a manager who was not helpful at all. Every year I pay extra to my principal and extra to my escrow and my mortgage just keeps going up? Something not right here! How many people do they do this too every year? I want my mortgage payment to be adjusted like it should of been, lowered and they should of keep the money I had in escrow to cover the difference. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I purchased a treadmill online from XXXX after reviewing the purchase the next day I decided to cancel the order. I could not get anyone on the phone from XXXX however I did respond the initial email from XXXX XXXX who thanked me for my purchase, I asked him/her return the purchase on XX/XX/XXXX. I received a bill in XX/XX/XXXX and it still had the purchase on it. I called XXXX and they said that they were in the process of returning the item and to disregard the bill. I receive an email from someone named XXXX XXXX on XX/XX/XXXX about the product and the company wanted to deliver, I told them that this product was suppose to be returned and that I did not need it. On XX/XX/XXXX the email was acknowledged and they said that they were forwarding my return request to their billing department. I yet again received another bill from XXXX in XX/XX/XXXX, I called again and spoke to one of their reps. I explained the situation and they waved the payment and said that they I should submit a dispute form. I mailed the form with the dispute info on it ( this credit company does not have a web page to dispute ). I received another Bill in XX/XX/XXXX, I called yet again and they said all they needed to do was process the return and gave me a different phone number. I called the other phone number and they processed the return. I called the original number and was placed with another rep, I explained the problem yet again and they demanded payment and hung up on me. At this point the product has been returned and my bill reflects this however the bill still states that I owe late fees and now they reported that I have late payments on my Transunion credit report.
Product: Mortgage

On XXXX XXXX, XXXX, I purchased my home located at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX for {$160000.00}. The loan was evidenced by a Security Deed, '' naming XXXX as the " Lender '' and XXXX as the " grantee, '' or beneficiary, of record acting solely as nominee for same. The Loan was one of those Adjustable Rate Mortgages ( ARM ). I did n't want this kind of loan I had good credit but was told at the time that I could be put in a fixed loan at a later time. On or about XXXX XXXX, XXXX my loan account was transferred to HSBC. My monthly note kept getting higher and higher until I was having trouble making the payments. I reached out to HSBC and requested a loan modification. Their representative told me that I did not qualify for a modification unless my loan account was in default. Up until this time my loan account had never ever been behind. So HSBC had me pay a forbearance XXXX XXXX XXXX ) for months under the pretense of giving me a loan modification. I in turn, made each and every payment as agreed. Instead of the loan modification that we initially agreed upon, HSBC restructured my loan. They, however, never informed me that my loan account was being restructured. In the end, I still could not afford to meet the obligation. When I had gotten behind on my payments and finally sent the payments in, the payments were returned to me. I called and talked to various HSBC staff as to why my payments were being returned and because it was at this time I discovered that what I had been given was a restructuring of my loan and not a modification. Well nobody would help me. I did n't agree to a restructuring of my loan account but was lead to believe that what I was getting from HSBC was a loan modification. In XXXX XXXX, HSBC performed a foreclosure on my home.
Product: Credit reporting or other personal consumer reports

I noticed XXXX and XXXX furnishing illegal information on my consumer report. There is a late payment reflected on XX/XX/year>. Congress states that late payments are excluded from being reported per 15 U.S. Code 1681a. Therefore, this furnishing is illegal and bearing on my credit worthiness.
Product: Credit reporting or other personal consumer reports

This is a repeat of the complaint I filed in XX/XX/year>, # XXXX. This has reoccurred more than 5 times. Despite a Fraud Alert on file, XXXX has again allowed a user of their automated system to unfreeze my credit without confirmation of my identity via text or email. Bank of America, a bank I have never worked with, was for the 7th time, able to fraudulently pull my credit report within minutes of my XXXX credit file being unfrozen and again issued a credit card to a fraudulent party. I am now forced to dispute the credit pull and the credit card. What good is a fraud report and credit freeze if someone can simply unfreeze my credit report? How do i stop Bank of America from applying for credit i don't want and never requested? Thanks for your assistance!