23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Municipal Services Bureau ( MSB ) XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX / XXXX Fax XXXX Municipal Services Bureau is trying to collect on a court case that was dismissed back in XX/XX/XXXX. We have received multiple calls but I don't have dates on those. I do have the letters and response date showing proof that the debt is not owed. 
Received Collection letter from MSB dated XX/XX/XXXX demanding {$240.00} from a XXXX County Court TN-Circuit Court stating the fine had not been paid. I had my administrative assistant call in to XXXX and she was informed it was an oversight and would be updated. 2nd demand letter dated XX/XX/XXXX received for same amt {$240.00}. We called XXXX County Court on XX/XX/XXXX spoke to XXXX that transfered us to XXXX who confirmed the case had been dismissed on XX/XX/XXXX and no debt was owed and that they would send notice to the collection agency MSB. Admin called XXXX on XX/XX/XXXX spoke to Rep adv of what court stated and they were sending proof. Around XX/XX/XXXX a collection called was made to my company still trying to collect the {$240.00}. At this point I gave my office manager permission to take over trying to resolve this matter.She called XXXX County on XX/XX/XXXX and had a copy of the court dismissal faxed to her and wrote a letter to MSB advising I didn't owe this debt to update their records and cease and desist all collection tactics and included proof from the court where the case was dismissed. Her and myself signed this letter. 3rd demand letter dated XX/XX/XXXX Office Manager called and spoke to rep who again said it was an oversight and would be updated. We received another collection call at my company on XX/XX/XXXX My Office Manager spoke to them went through everything again with rep asked for fax #. XX/XX/XXXX My office manager wrote letter with dates that we have sent proof along with copies of letters and proof from court and for the debt to be removed and cease and desist further collections tactics she faxed the letter to XXXX and got transmission verification report confirming it went through at XXXX XXXX eastern time. She also mailed the letter w/copies of previous letters and proof of the case being dismissed and debt not owed. 4th demand letter dated XX/XX/XXXX received for amt {$240.00}. I have not responded to this letter as nothing is working and I am asking you to step in on my behalf to help resolve this situation.Copies of documents can be provided.
Product: Credit reporting or other personal consumer reports

I have been the victim of Identity Theft, and have filed an Identity Theft Affidavit with the US Federal Trade Commission, FTC, FTC Report Number XXXX, dated XX/XX/XXXX, concerning certain fraudulent items on my EQUIFAX CREDIT REPORT that do not belong to me, and are the result of Identity Theft. 


Those fraudulent items on my EQUIFAX CREDIT REPORT that do not belong to me, and are the result of Identity Theft and fraud, are as follows : 1 ) An Applied Bank Credit Card, opened on XX/XX/XXXX, Account Number XXXX, Total Fraudulent Amount Charged {$220.00} 2 ) A XXXX Bank XXXX, opened on XX/XX/XXXX, Account Number XXXX, Total Fraudulent Amount Charged {$3500.00} In addition to the above 2 fraudulent items on my EQUIFAX CREDIT REPORT that do not belong to me, and are the result of Identity Theft, there are also 4 Hard Pull Inquiries on my EQUIFAX CREDIT REPORT that do not belong to me, and are the result of Identity Theft, which are as follows : 1 ) XXXX XXXX XXXX made on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX made on XX/XX/XXXX XXXX ) ) XXXX made XXXX XX/XX/XXXX XXXX ) XXXX XXXX made on XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX/XXXX  # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On or about XX/XX/2020. I opened an account with TD Bank. The account that was opened was a regular savings. I notice that I was getting charged {$15.00} a month for maintenance fee. The account, which I did not know, was a TD Beyond Savings account which required a monthly balance of {$250000.00} and what I had initially signed up for was the TD Simple Savings. On or about XX/XX/2020, I opened a checking account with a deposit of {$100.00}. I was given the account number and was waiting on a debit card so that I can transfer what was in the saving account and close it out. The next day the account was deleted. I called to find out what happened and they informed me that I had two accounts that were closed with a balance and that I should not have been able to open the savings. I asked for records of said accounts which I still do not have and they took my {$100.00}. I went into the bank today to ask for records and I was told that they could not give them to me. So I closed the account and they keep my {$100.00}. While in the bank today, they told me that there are three closed accounts.
Product: Mortgage

I have a HELOC with Wells Fargo. I 've been getting notified for about a year that they were going to increase my monthly payment and convert it to a standard second mortgage with an increased payment. I did not and do not have a problem with that. 
What they did n't notify me is that the interest rate was being raised from 4.24 % to 6.88 %. With a current outstanding balance of {$190000.00}, this is an interest increase of over {$5000.00} per year! 
I have started refinance options but if not successful or if any delay, I 'm paying over {$400.00} per month in interest! 
I had no need to refinance to avoid paying the loan off faster. I certainly had a reason to refinance to keep the interest rate level!
Product: Debt collection

For 5 years Ive had a relatively small collection account and its the only collection account and Ive tried to find out who or what its for. I gathered it was a property management for an application to rent a property. I did not especially in XXXX as I resided already in a property I wasnt planning on moving from. I have contacted the collection company they say contact the original creditor which I did via phone, email, in person and demanded to see the application and proof of ID they accepted with the application. They said the debt as been sent to collections contact that agency. So Ive disputed the debt with all bureaus and every time it gets verified as accurate. I would like them to provide to me the information ( my information ) they have that verified this debt as belonging to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is allowing old accounts like XXXX XXXX report a closed account past due for 30 days I paid it off in full in XXXX there allowing XXXX XXXX and other accounts included in my bankruptcy to report XXXX and XXXX and Equifax refuses to delete a name and addresses that does not belong to me I have already sent a letter with showing my id bank statement and ssc still have misinformation on reports I have a lot of accounts included in bankruptcy still reporting they are allowing inquiries on my credit that I have disputed like 40 inquiries and they still allow the inquiry to stay on all reports
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 1681i 5 A, any information that has been deleted from my credit report can not be reinserted unless the person who furnished the information certifies the information is complete and accurate. 
Equifax reinserted information that was previously deleted from my file that is inaccurate and incomplete and not consistent with the other XXXX major credit bureaus. This has resulted in my Equifax XXXX score gaining 100+ points then loosing those points, then gaining them again upon removal, then losing them again last month. 

Below are the accounts that they must remove from my credit file FOREVER! 

XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  GO ACCT # XXXX The above information was deleted from my file and reinserted. This is a violation of my rights under the FCRA to have a complete and accurate credit file.
Product: Student loan

I have been teaching for 17 years and continue to attempt in qualifying for Public Service Loan Forgiveness this last year. I have made payments consistently for more than 120 payments. Navient keeps informing me that my loan is not a direct loan but was informed by many other teachers that i can consolidate into a direct loan to qualify which they have. 

I can not get a straight answer or how to consolidate this loan to a direct loan after many phone calls and letter not helping to consolidate my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help to dispute this item XXXX. XXXX {$110.00} that's on my credit report every time i attempt to dispute this item over the phone with Equifax they make it very difficult for me to do so, i do not recall this item and will like information such as a sign document or original contract
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against XXXX and Huntington Bank because they are reporting a fraudulently opened account on my credit report. I have sent disputes regarding the opening of this fraudulent account with Huntington and XXXX a total of 3 times and it is still reporting on my credit report. I completed all of the necessary steps to get this matter resolved including filing an identity theft report with law enforcement which is attached to this complaint. XXXX and XXXX have already stopped the reporting of this fraudulent account form my credit report but XXXX remains to report it. This issue still remains open and my credit has been severely damaged because of this. This will be my final attempt to get this matter resolve before lawsuits are filed for damages agains XXXX and Huntington Bank for violations of the Fair Credit Reporting Act. The full credit card account number is XXXX which is also the number reporting on my credit report.
Product: Mortgage

SP Servicing acquired the loan from XXXX in XX/XX/XXXX, when SP Servicing sent notification they are the new servicer, an accounting of the escrow was sent along with a request for the insurance declaration page. XXXX had an escrow for taxes and hazard insurance set up, I told SP Servicing this, and they requested letters and documents from me. I complied right away, they acknowledged the letters I sent, then I was sent a letter stating they are looking into the matter. After that, I received XXXX extensions on that letter? After numerous phone calls to the mortgage company ( XX/XX/XXXX to today XXXX XXXX ) to clarify if they are going to escrow the account for the taxes and insurance, I never received any confirmation the escrow has been set up. On XX/XX/XXXX at XXXX, my insurance expired. I have NO HAZARD INSURANCE. When I phoned SP Servicing on XX/XX/XXXX, I was on the phone with the insurance department at SP Servcing and the lady, XXXX, told me she made the payment that day. I just got a call from my insurance company and I DO NOT HAVE HAZARD INSURANCE on XX/XX/XXXX. I don't know what can be done. SP Servicing sent me a letter on XX/XX/XXXX apologizing and telling me they are going to fix this. It is not fixed, they lied, and calling them is like calling a XXXX box ... .nothing! I was told escrow department " does not accept or make phone calls. ''
Product: Credit reporting or other personal consumer reports

Someone who probably has my personal information applied to get credit cards which cause inquires on my credit report. The inquires and dates are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Keep calling my phone with random numbers calling about a debt that I don't believe I owe them
Product: Checking or savings account

I never authorized wells fargo to allow charges to go through when i use my debit card or for automatic billings, they have been arbitrarily picking and choosing charges to accept then hitting me with overdraft fees, i never opted in to this option and feel im owed back several dollars from the bank for the headache and stress it causes to have to move money or borrow money just to cover overdraft fees
Product: Checking or savings account

I started accruing maintenance charges in XXXX of XXXX despite increasing balances. 

XXXX {$25.00} Maintenance Charge XXXX {$25.00} Maintenance Charge XX/XX/XXXX - {$25.00} Maintenance Charge XX/XX/XXXX - {$25.00} Maintenance Charge
Product: Credit card

On XXXX I messaged Synchrony using the online chat feature, because I saw I was being charged interest on XXXX of my CareCredit accounts. I thought this account had a XXXX  month promotional period of no interest. The online representative let me know that the promotional period was only for XXXX  months. However, I did not receive any electronic statements for this account for 6 months ( end of XXXX XXXX XXXX ). If I had received an email with my statement, I would have seen that I was being charged hundreds of dollars in interest ( {$580.00} ) and I would have paid off the remaining balance to avoid being charged interest. The online rep told me that the emails are sent automatically and because of this they would not be able to refund the interest. I asked for some sort of log or confirmation of the emails being sent and they said they would not be able to provide this. I asked them to have IT look into this because it is probably happening to other people, but they did not seem to care. Something must be wrong with the account because I received emails for my other Synchrony accounts. I tried to save the chat history but there as an error, see attached screenshot. I have paid the remainder of the balance except for the remaining interest because I believe my rights under the Truth in Lending Act and Regulation Z were violated. I ask that Synchrony please waive the interest accrued on this CareCredit account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was scammed out of {$400.00} dollars on XXXX by an individual through XXXX. On XX/XX/XXXX, I was scammed out of {$3000.00} more dollars totaling {$3400.00} dollars through XXXX. I contacted my bank, Wells Fargo, on XX/XX/XXXX, about said transactions and on XXXX separate occasions was told that I did not provide sufficient evidence to obtain my money back by regulation of the XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX On XX/XX/XXXX, I obtained and provided my bank with the transcript of the scammer which showed the emails of the XXXX recipients, phone number of their " accountant/ lawyer '' and bank information which included a password, username, and the last XXXX  digits of their social security. On XX/XX/XXXX, and XX/XX/XXXX, I received a response which were exactly the same as one another ( except for the dates included in the letter ) and gave the exact same excuse. My account activity even indicates that I never utilize XXXX when it comes to sending individuals money in the entire year of XXXX, and when using other methods of instant money transfer it is always under {$200.00}. I have made XXXX total complaints with Wells Fargo through the CFPB which has resulted in copy and paste responses from the bank 's representatives. I again provide the transcript of the XXXX  texts which I received through the scammer in the hopes that this is sufficient evidence to show that I was indeed scammed out of my money and that Wells Fargo is lawfully responsible to reimburse me due to the occurrence as stated in the XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX My case is not taken seriously and constantly given the corporate response which is compromised of a blueprint in which they fill out the name and date of who and when they're sending the response.
Product: Debt collection

Attempted to pay off collections so I can move into another apartment. The collection agency has been using rude tactics, not willing to provide a payoff letter with any amount paid to them. Also, I was told by the collection agency that a settlement can take place, but they have not provided a settlement letter. The agency is also not authorized to take any debt in the state of XXXX XXXX. Im confused about what to do with this agency.
Product: Checking or savings account

I purchased a bracelet for {$600.00} while on vacation in XXXX on or about XXXX XXXX XXXX. I had bracelet approximately XXXX weeks before the clasp stopped fastening. I contacted XXXX XXXX ( well within their XXXX-working day return/refund policy ) on XXXX XXXX by email requesting return address so I could return bracelet, I got no response. In good faith, I contacted the merchant again by email on XXXX XXXX asking for return address or I would be disputing transaction with my bank, CapitalOne, I still received no response. Approximately on XXXX XXXX, I filed dispute with CapitalOne and sent them the documents they requested. I sent them a copy of the emails I sent trying in good faith to resolve with merchant. I sent copy of the receipt that has a clear refund/return policy. CapitalOne Sent me a request on XXXX XXXX asking for additional information. On XXXX They requested an appraisal of the bracelet ; before the appraisal was done on XXXX XXXX, I received a denial of my claim letter. XXXX from XXXX XXXX 's office called me to provide clarification why my claim was denied, and he strongly suggested I have the appraisal done, which I did on XXXX XXXX. The jeweler verified that the clasp did not work, the bracelet was silver, and the diamonds were fake with a retail value of {$170.00}. well below the {$600.00} I paid for it. The official reason for the first denial is " There is nothing to regarding as NOT AS DESCRIBED to support the claim, neither a single attempt to solve with merchant, please inform because member still has merchandise. That is a blatant lie I sent 2 emails trying to contact merchant to get address to return bracelet they never responded to my emails. Also, I told by the salesman these were real diamonds, so it was not as described. I provided copies of these emails to CapitalOne while they were doing their investigation. Once I had the appraisal done, they reopened the claim and on XXXX XXXX the claim was denied again. The same reason as before and the appraisal was not done quick enough, even though XXXX told to go ahead and do it and could go a long way in my claim.
Product: Checking or savings account

Re : Checking account ending in XXXX I just found out that Fifth Third bank withdrew my regularly scheduled mortgage payment of {$1300.00} plus an extra {$850.00} on XX/XX/25. This has caused my account balance to fall below the amount for a purchase I wanted to make. I called the bank this morning and spoke with XXXX ( ID # XXXX ). She told me I have the {$850.00} payment scheduled to be trasferred from my checking account to the mortgage account every month. If that's the case, why has the amount not been withdrawn in the previous months? I'm already making an extra {$450.00} payment towards my mortgage. Why would I schedule a separate amount for {$850.00}? Would it not be more rational to just increase the {$450.00} to whatever amount desired? It doesn't make sense! They are having a glitch in their system as this is not the first time they have done this to me. It caused overdraft charges for me the last time. I already have auto pay set up for my mortgage payment and I never do any funds transfer. This is very frustrating!
Product: Debt collection

I found this debt on my report, If in fact you believe you gave me proper notification, please send me a copy of the certified receipt with my name and signature on it proving I was notified of my chance to dispute before reporting
Product: Money transfer, virtual currency, or money service

I am writing this email in regard to the coinbase class action lawsuit pertaining to the miserably failed launch of the BCH USD Trading pair on Coinbase / XXXX. I lost funds during the debacle and would like to know how it would be possible to become a part of the lawsuit. I wrote several emails to XXXX support and was hung up on twice by support staff when they refused to answer my questions. They even referred me to a " rule '' in their terms of service stating that they could halt trading on the exchange as they seemed fit, this rule was added AFTER they screwed up the BCH launch. 

This is an excerpt from the message sent to them : " I placed an accidental buy market order on BCH instead of XXXX with all the funds available in my account ( Approximately {$12000.00} ). This was my mistake, yes. Had it occured on a normally traded pair such as LTCUSD or ETHUSD, I would not have minded the slight loss of my error. Not even a half a second after I realized my mistake, I attempted to sell out and XXXX halted trading knowing full well that over 2k BCH had been sold and bought at manipulated prices. 

When trading opened today at XXXX PST, I frantically attempted to sell in order to salvage what was left of my funds and managed to cash out at ( XXXX XXXX ) which left my account at {$6600.00} for a Total loss of {$5700.00}. All because of a failure to make sure there was enough liquidity in the books before opening a new trading pair. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable following items below : XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$24000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00}