23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I started a payment arrangement last year and made payments for a few months before I realized the balance wasnt decreasing nor did the status from negative standing ever change. The company said they werent in charge of reporting the payments but continued to harass me for more money.
Product: Debt collection

I was contacted by a credit collection co. that said I owed money for a loan from a bank. 
I never had a loan with this bank/lending institution. They had my social security #. 
Someone is using my personal info to get credit/loans
Product: Mortgage

My problems started when my mortgage company Carrington Mortgage Services LLC returned my XX/XX/XXXX payment. I called when I saw it was returned to my bank account and immediately may the XX/XX/XXXX payment in or on XXXX XXXX. The payment was not debited for 7 days I made the XX/XX/XXXX Payment in or around the XXXX XXXX. 
They are threatening me with Notice of intent to foreclose by mail and certified letter. They are holding one full payment not partial payment in Unapplied funds. I made both payments with a representative on the phone with Carrington and followed up on the phone. 
I feel they are pushing me to foreclosure and not accepting my payments
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I became ill and went into the hospital and was going to be off of work for an extended period of time. I knew I would not be able to make my car payments so I volutarily surrendered my vehicle to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX. They were not happy but they accepted the vehicle, auctioned it off for far less that it was worth ( it was a XXXX XXXX XXXX ). They sold it for XXXX and applied that to my XXXX loan and left me with a XXXX balance on my credit report. when they realized I would not be working they wrote off the loan completely. Some time passed and I returned to work a couple of years later. In XX/XX/XXXX they had listed on my credit report that the amount I owed them was {$9900.00}, thirty days later in XX/XX/XXXX it increased to {$13000.00}. I have not had possesion of the vehicle since XX/XX/XXXX, how can they continually charge me for the vehicle? Also they list on my credit report that I " failed to make my payment '' each month for the past two years. How can they do that when they have written off the loan? As of XX/XX/XXXX I now owe them {$14000.00}! It's all on my credit report and it goes up every month. They have charge me over 50 % of the original figure of {$9900.00} in a matter of 12 months! I feel they are being vindictive because I defaulted on my loan and I would like this information purged from all of my credit reports and and additional reporting agencies like XXXX and thier affiliates. This is outragous and can't believe that this is even legal. I can be contacted at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX, XXXX, DOB XX/XX/XXXX, SS # XXXX you have my permission to use my information and contact them to discuss this matter and try to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of HJR 192, we the American people are the Creditors. Also a bank can not lend it credit. See LANGDON v OCWEN LOAN SERVICING LLC, WESTERN PETROLEUM CO. V FIRST BANK ABERDEEN , BANK V FINANCE ETC ETC. If these fact are true then any negative mark are fraudulent in nature and are being used to force my obedience which is extortion by XXXX XXXX ... Plus a check has been written and issued in accordance to UCC regulations.
Product: Credit card

i applied for a capital one credit card being denied saying i had an account with. a balance im telling them its impossible i have the proof i was denied access to speak to a supervisor and was told that they would black lit me to not get any accounts and that it was what they can do
Product: Student loan

I have a repayment plan based on my income with Aidvantage, Official Servicer of Federal Student Aid. I pay {$25.00} per month but my balance is not going down. The total monthly amount of this plan is {$25.00} a month, based on my income. I just spoke to a customer service representative who told me the amount of {$25.00} is strictly going to interest and IF I want to pay down the principle I have to pay more. The repayment plan I was approved for doesn't pay anything towards the principle. So if I keep paying this amount each month, I will be paying for it the rest of my natural life. What a rip off!!!!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed several inaccuracies on my account. These errors are negatively impacting my ability to obtain credit. It is my understanding that credit bureaus will investigate such accounts to ensure accuracy. 

I kindly request that you verify the accuracy of the following account : Account Number : XXXX Creditor : American Credit Acceptance Please conduct an investigation and provide me with any updates regarding the status of this account. If any corrections are necessary, I would appreciate your prompt action in updating my credit report accordingly. 

Thank you for your time and assistance. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to Transunion asking for verification of a debt and asking that documentation along with signatures be provided that proves that I owe said debt. I believe that the debt does not belong to me and asked that it be investigated and removed if documentation could not be provided to link me to said debt. I have had several issues in the past getting this resolved hence the reason why I asked for validation which includes signatures and supporting documentation. None has been provided and this is causing me great pains and detriment. I may have to seek legal counsel if this isnt resolved in a timely manner. XXXX XXXX XXXX is the party I am disputing in two amounts totaling {$4500.00} and for {$740.00}. Transunion could not have possibly verified this debt because no sooner than my request for validation was sent it was return in less than 30 days so it leads me to believe that thorough investigation was not implemented. I needed them to do a thorough investigation for instance requesting the ledger balance if need be or signed documents that I have signed. Transunion more than likely is taking the word of the company and is not actually pulling documents to confirm these allegations and its very harmful to me as a consumer.
Product: Debt collection

Second attempt to submit the following complaint due to website failure. 

Requesting CFPB intervention due to unfair debt collection and erroneous derogatory marks placed in credit report by the original creditor and collection agency. The following facts is provided to assist CFPB pursue the consumer claim regarding unfair credit reporting and harassment by the collecting agency : 1 ) Debt is a medical bill on behalf of XXXX XXXX XXXX ' a minor currently residing full-time with his mother XXXX XXXX XXXX '. 

2 ) The father 'XXXX  XXXX XXXX was not present nor signed any documentation during the medical treatment. The primary insurance holder based on court child custodial ruling stipulates that the primary health insurance provider is the mother whom the child resides full-time. The mother ( XXXX  XXXX XXXX ) utilized the father 's medical health insurance without prior consistent to use despite court agreement stipulates that she is the primary health care insurance carrier. 

3 ) The medical facility failed to provide proper notification of the incurred debt to the parent and blatantly placed the amount owed towards the father who has no knowledge of the debt. Despite the lack of proper mail notification the debt was submitted to collection and placed a derogatory marks through the credit bureau. Constant harassment via phone calls from the collection agency regarding payment requirements of the medical bills. Threatening phone call remarks were made that the sole responsibility was on the father despite numerous plea and substantial evidence was provided to resolve the debt.
Product: Credit card or prepaid card

I am a victim of identity theft. Someone stole my personal information and identity to open up a XXXX XXXX store credit card account through Wells Fargo Financial National Bank fraudulently and unauthorized. Someone had a Minnesota drivers license in my name with my picture on the drivers license and a date of birth of XX/XX/XXXX. My date of birth isXX/XX/XXXX Furthermore, I was incarcerated fromXX/XX/XXXXuntil XX/XX/XXXX. I was released from prison on XX/XX/XXXX so theres no way I opened up the account. Review the attached documents submitted with this complaint. The XXXX credit card account is fraudulent, and dont belong to me.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and transunion are in major legal trouble for the act of identity theft by reporting inaccurate and non public information In accordance 15 Us Code 1681A ( I ) Reporting Transaction history and experiences On a consumer report is illegal as all illegally reporting accounts are reporting the balance payment history payment dates the status of accounts which is transaction history negative remarks on my credit report which discusses my experience with a creditor just under that Truth XXXX, XXXX and transunion is reporting identity theft with non public information thats supposed to be private According to the Fair Credit Reporting Act, 15 USC 1681 section 602a emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As the consumer, I assert my right to safeguard privacy Also 15 USC 6802 ( b ) ( c ) specifies that a financial institution must provide an explanation of how consumers can exercise their nondisclosure option. However, Creditors above who furnished information to credit agencies has failed to inform me of this right. I am giving XXXX, XXXX and transunion 30 days of receipt to remove all inaccurate accounts off consumer file I will be charging bureaus a XXXX dollars each day Inaccurate accounts stay on report Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  will be my direct proof of claim to take Bureaus to arbitration as all accounts report transactions history
Product: Credit card

XX/XX/2015, I purchased sectional sofa at Macy 's and, in conjuction, was offered to pay via credit card with 24 month interest free period. I agreed but it took several weeks to receive a statement and during that period, was not able to make a payment online, nor was I able to view my account summary. The Macy 's credit card website state it was undergoing construction and therefore, unavailable. After finally receiving access to the website, I made my 1st payment. 

Then XX/XX/2015, I visited my local Macy 's store where I purchased several goods. The salesperson encouraged me to use my Macy 's card so I obliged. Today, I was able to review my online statement and was dismayed to learn that I 've been charged interest on the purchase these goods. Even more frustrating is that I have tried to contact the Macy 's credit card department through their online contact application but continue to receive an error message. After failing to submit my inquiry online, I tried calling the phone number listed on my account webpage. Unfortunately, I was also unable to reach a real live person. After spending 20 minutes stuck in the phone tree going from automated message to automated message, I have finally given up and hope that perhaps you will be able to help me work with Macy 's. It has become apparent that I 'm in the process of becoming victimized by deceptive practices and predatory lending. Even worse, I 'm now unable to reach someone that may be able to help rectify the situation.
Product: Prepaid card

I have a Visa Vanilla gift card with a balance of {$50.00}, I tried to use said card on XXXX XXXX XXXX, It will not work as it says the card was expired. The website says cards will not expire, I tried calling and was not able to sort it out.
Product: Bank account or service

I HAD MY A/C WITH XXXX XXXX BANK SINCE XXXX XXXX AND LATER MERGED TO " BANK OF AMERICA '' IN XXXX ALONG WITH MY SAFE DEPOSIT BOX. 
SAFE DEPOSIT BOX FEE WAS DETECTING AUTOMATICALLY FROM MY CHECKING A/C ANNUALLY. AFTER XXXX BOA STOP TAKING OUT FEE FROM MY A/C, I AM BUSSY IN MY LIFE AND NEVER PAID ATTENTION, BOA STAFF NEVER STOP TO GOING TO MY SAFE DEPOSIT BOX IN ALL YEARS AND IN AVERAGE ME AND MY WIFE WAS GOING TO CHECK OUR BOX THREE TO FIVE TIMES A YEAR. IN XXXX XXXX RIGHT FEW DAYS BEFORE WHEN I WAS GOING ON MY TRIP TO XXXX RECIEVED NOTICE FROM BOA THAT YOU OWE US $ XXXX. IN PANIC I WENT TO MY BOA BRANCH WHERE I HAVE BOX " XXXX XXXX XXXX '' THAT STAFF GIVING RUN AROUND, I CAME BACK TO MY HOME AND CALLED BOA HEADQUARTER AND REQUEST TO HANDLE THIS SITUATION, BUT NO HELP THEN I WENT BACK NEXT DAY TO BRANCH DUE TO I NEED TO TRAVEL IN FEW DAYS. 
BUT XXXX XXXX SAID TO ME THAT IF YOU DO NOT PAY THESE ALL YEARS RENTAL FEE PLUS ALL LATE CHARGES THEN WE WILL USE DRILL MACHINE AND CANCEL YOUR BOX, THEY NEVER SENT ME ANY TYPE OF NOTICE IN THOSE YEARS AND WAS NOT MY FAULT. 
I NEED TO TRAVEL IN FEW DAYS XXXX SO I PAID $ XXXX RIGHT A WAY, TOOK MY ALL STUFF FROM MY BOX AND EMPTIED AND CANCEL MY BOX, AND STOPED BY XXXX XXXX BANK AND OPEN NEW BOX. 
AFTER I RETURNED FROM MY TRIP AND TRY TO GET MY ALL CHARGES $ XXXX REIMBURSE AGAIN RUN AROUNDBESIDE XXXX XXXX HIS OTHER ASSOCIATE TALKED TO ME THEN VERY RUDE LADY WAS BAD APPROCED TO MESHAME, SHAME, SHAME AND SHAMETHEN I CALLED FEW TIMES TO BOA HEADQUARTER AND THEY JUST TRANSFRED TO SAME BRANCH MY COMPLAINT. 
AFTER ALL DONE AT THE LAST BRANCH MANAGER " XXXX XXXX '' CALLED ME AND REFUSED TO REIMBURSE MY ALL ILLEGAL CHARGES WHAT THEY COLLECTED ON XXXX XXXX XXXX. 
THANKS A LOT TO READ THIS COMPLAINT AND I SHALL BE GRATEFUL
Product: Debt collection

They call at least 20-30 times a day, using the following phone numbers : XXXX, XXXX, XXXX, XXXX, and never leave a message. This disturbs my work time often.
Product: Credit reporting or other personal consumer reports

XXXX 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
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a prepaid debit, Bluebird card, with American Express. On Thursday, XX/XX/XXXX American Express locked my funds, turned off their website on my computer, and turned off their app on my smartphone. I have repeatedly called their customer service number XXXX XXXX XXXX XXXX. I have repeatedly been told American Express has deemed me a perpetrator of a fraud and locked me out from my money. I really don't use the card all that much, and have CERTAINLY NEVER used it in a fraud attempt. American Express will not tell me what fraud it is they think I have committed, nor will they tell me when I will be able to get to my money. I do appreciate we are only talking about XXXX XXXX dollars, but I really resent their " steam roller '' attitude toward me. I also don't want American Express to treat others they way I have been treated. Please do what you can. I appreciate it. Stay Safe! XXXX XXXX Bluebird card number XXXX XXXX XXXX XXXX ) XXXX XXXX. 

American Express wrote CFPB back on XX/XX/XXXX the following : CFPB Ref No : XXXX Ref : XXXX Account Ending in XXXX Dear XXXX XXXX, Were writing in response to your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). We unlocked your account. 

This response is a total and complete lie! I am sitting here on Friday, XX/XX/XXXX. The card DOES NOT work, the website DOES NOT work, and the app on my phone DOES NOT work! 

Does American Express routinely lie to the CFPB? Are there any repercussions for American Express lying to the CFPB? Is there any other agency out there American Express is accountable to? 

I do appreciate we are only talking about XXXX XXXX dollars, but I really resent their " steam roller '' attitude toward me. I also don't want American Express to treat others they way I have been treated. Please do what you can. I appreciate it. Stay Safe! XXXX XXXX Bluebird card number XXXX XXXX XXXX XXXX ) XXXX XXXX.
Product: Debt collection

As you can see in attached documents mailed to me by Oxygen Recovery they are trying to collect the debt that not only past the statue of limitation but also does not belong to me. 
As per attached lease I was allegedly living at the apartment from XXXX XXXX to XX/XX/2009. 
As per billing schedule all charges and bounced checks were10 years later and after XXXX XXXX of the alleged property. 
Not to mention that Oxygen recovery failed to establish their ownership of the alleged debt .Copy of alleged billing statements and copy of public accessible record ( that by the way I was not able to find in XXXX NY system ) is not substantiate the ownership of the debt.
Product: Debt collection

My wife had XXXX  surgery. After insurance payment and discounts, the remaining balance was {$340.00}. The bill was outstanding as we awaited additional insurance information. The remaining balance was paid on XX/XX/2020. Mountain Land Collections Inc. had sent a collection notice to the wrong address. On XX/XX/2020, I received a call from Mountain Land Collections Inc. wherein they obtained an updated address. During the call, I informed them that the remaining balance was paid on XX/XX/2020. I then forwarded them an e-mailed copy of the receipt showing payment on XX/XX/2020. Later that week, I received a new invoice dated XX/XX/2020, to my updated address claiming the debt was still due and owing. This was sent the day after proof of payment was sent to Mountain Land Collections Inc. I phoned to the physician 's office on whose behalf Mountain Land Collections Inc. was allegedly acting, and they confirmed that no outstanding amount was owed. The physician 's office also e-mailed me notes that Mountain Land Collections Inc. inquired about the bill with the physician 's office on XX/XX/2020, and were told the balance was paid. Thus, Mountain Land Collections Inc. verified that the amount was paid and no balance was due and owing, yet they opted to send an invoice for collection to me regardless.
Product: Mortgage

I locked into a Loan Estimate in XXXX. I was told it would be submitted to Underwriting and stay locked, but received a 2nd Loan Estimate on XXXX as we were about to close. The difference between both Estimates is over {$12000.00}. Can they quote & lock an original estimate and then change just prior to closing?
Product: Debt collection

There are XXXX unauthorized inquires XXXX XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent a large amount of time over the past five days trying to get the security freezes temporarily lifted at XXXX, XXXX, and Experian. Working with Experian has been nearly impossible. I have accounts with all three, but only Experian 's website goes conspicuously out of it's way to both provide no information on freezing/unfreezing when logged into their site -- instead shepherding users toward a paid locking service. Likewise, Experian 's external freeze/unfreeze website was the only site that refused to accept my log in information. The same was true when I called Experian. Ironically, one of the items that might of tripped up Experian was their own wrong information regarding my father being alive and owning property in California -- he passed a decade ago and has no property.
Product: Student loan

I, and I believe others, have been trying to get guidance from American Education Services, aes.Success.org, about interest rates and loan terms during this COVID-19 crisis. Per orders from the Department of Education and given recent legislation, interest should have stopped accruing on my loans. But this hasn't happened and AES hasn't provided any new guidance.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Equifax disputing the completeness and accuracy of accounts on my credit report. I recently received a response from Equifax that was issued by them on ( date you received the letter from Equifax ) that they received my dispute but they would not process it because they are assuming it is from a XXXX party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Equifax do its job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Driver 's license and proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I wrote certified letters petitioning XXXX, Experian and XXXX about erroneous items on my credit report, I asked for validation of these accounts and my authorizing of them to the creditor according to Section 609 of the Fair Credit Reporting Act, despite my legal rights of the aforementioned private agencies to report show validation of their reporting, I have received no such proof. This lack of effort/proof is leading to a negative fray on my financial representation and essentially leading to institutional slander of my credit worthiness. I also, sent certified letters of the same on XX/XX/XXXX to the aforementioned private entities and once again to no avail as to providing proof of reported accounts. My next step is legal action and I am petitioning this body of law enforcement to arbitrate and save both parties the negatives efforts such a case would bring about.
Product: Checking or savings account

On XX/XX/2022 a letter was received from Wells Fargo stating that they had closed our savings account. This was not requested by us as the consumer but rather taken upon their own accord. Reason for closing was prolonged overdrawn status and they state we owe {$53.00}. This amount is the result of fees that were charged on wire transfers that were fraudulent. Wells Fargo was notified within minutes of the first transfer request of the fraud yet still let it and a second transfer go through. AND they charged us fees. Fees which I was told not to worry about. No our account has been closed without our {$25000.00} being returned to us and on top of it they are asking us to pay them {$53.00}.