23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have mailed dispute letters to all three bureaus and XXXXXXXX XXXX disputing the accuracy since XXXXXXXX XXXX XXXXXXXX they have yet to accurately report to my credit report and are breaking law by reporting late payment to collection accounts. the account was sent to collections XX/XX/year> and the have been reporting late payments when the debt is no longer owned by them which is illegal according to FCRA ( 15 U.S. Code 1681s-2 ) and FDCPA ( 15 U.S. Code 1692e )
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax in XX/XX/XXXX and spoke with associate ID XXXX, XXXX, and explained to him that XXXX XXXX, a collection on my credit, is reporting incorrectly and I have submitted evidence that I do not owe this debt by providing emails from the company stating I do not owe the debt. XXXX advised me to file a complaint with FTC and to send a letter, copy of my complaint and copy of my drivers license and social security card. I did as requested and mailed it to the address they provided me the middle of XX/XX/XXXX. XXXX advised me that once the reporter documents are received, the collection will be removed from my credit. I called back two weeks later and spoke with associate ID XXXX  and she advised me that nothing received and she was unable to find my mailed in documents. She advised me to fax it in and provided me with a fax number. I faxed all the required documents in XX/XX/XXXX and have confirmation the fax was delivered. On XX/XX/XXXX, I called back and spoke with another rep and he stated the fax had not been received and he was not sure why. 

I have been disputing this collection for 4 years and Equifax has not deleted this from my credit report even after I sent supporting documents stating I do not owe the debt. They asked me to mail my FTC complaint with a detailed letter and then they advised me I fax it, which I did. I was told the collection would be deleted once my mailed documents and/or fax is sent in. It was mailed and delivered and Equifax continues to tell me nothing has been received and are giving me the run around. 

I called the today and the associate is telling me to dispute it again. I advised him I have since XXXX and they refuse to delete it, even after I was advised it would be once I mailed in what they asked for. I have spent countless hours on the phone with them with no prevail.
Product: Debt collection

In XX/XX/2017 I was hand delivered a legal Foreclosure Notice by a debt collector in New York State. The Plaintiff is identified as XXXX XXXX XXXX XXXX XXXX ( XXXX ). The debt collector is identified as the " law Firm '' attempting to Foreclose on my property. 

I am questioning if the debt collector bought the debt can he legally use the bank 's name as the Plaintiff on the Foreclosure document? 

Second question is if he didn't buy the debt, must he obtain authorization from XXXX  to pursue the Foreclosure action in court or can the debt collector file the Foreclosure document on his own and be the beneficiary of owning the home if his court case is decided in his favor? 

Clearly, foreclosing on a home is not collecting a debt, which is monetary. 

I'm in court right now, since XX/XX/2017, fighting the Foreclosure.
Product: Debt collection

I was contacted by a company called XXXX XXXX. They called me using a blocked number and told me they were XXXX XXXX XXXX asking for a relative of mine. I told them they had the wrong number and they proceeded to tell me it was in regards to an arson incident and had me write down case number, phone number and company name to give. That it was so urgent and involved legal documents needing to be sent. Out of curiosity I called the number to see if it was legit and this is how I found out who the blocked number the woman called from belonged to. A representative for XXXX   XXXX XXXX answered, gave a name and I told them I obviously am not who they are looking for. They asked for the " case number '' to see what was going on. I asked how they got my name and number when I know this relative does not have it. He claimed he got it from my relative 30 days prior. That it was the main contact info given. I told him that is impossible and he cut me off claiming it's the info given as contact and until they reach my relative there is nothing they can do. I asked what this is even in regards to and that the woman from the other company they work with said it was something about arson. He claimed he could not give me any further information and that they were a civil mediation company. So in response I asked if it was for a debt and he replied no. It was to talk to the relative and be the middle man in a situation and if the papers he needs to get aren't given then there will be legal consequence and he could be picked up. I told him I don't know where they are and this is not their number so if they will not stop calling I would pursue other legal means to stop it. He again said they can't take my number out and just to relay the information to the relative and that was it. The relative they are looking for is not involved with any mediation lawyers. Not to mention, I have never heard of any arson cases involving this type of lawyer. We live in IL these lawyers are not based in our state either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One XXXX XXXX  XXXX XXXX VA XXXX has reported inaccurate information on account ending XXXX. The account was compromised due to fraud, a claim was filed claim # XXXX. This claim was found to be in my favor. There was a credit of XXXX credited to my account. Capital One is still reporting this derogatory information to my XXXX report. At the current moment the account ending in XXXX is currently open.
Product: Checking or savings account

I had {$20.00} debited from my account for a " non-conforming image '' apparently because the camera in Citizen 's mobile app captured a " bad image '' of what I believe was a computer generated check. I deposited the check on XX/XX/XXXX, and got a generic letter dated XX/XX/XXXX ( on XX/XX/XXXX well after I'd destroyed the check ). 

I was also assessed {$310.00} in overdraft fees ( $ XXXX/each ) -- {$70.00} on XX/XX/XXXX, {$170.00} on XX/XX/XXXX, and {$70.00} on XX/XX/XXXX -- because 1 ) automated debits into my children 's college savings account, ( XX/XX/XXXX ) and 2 ) a student loan payment ( XX/XX/XXXX ) -- processed as 5 separate ACH 's even though it all goes to the same place -- overdrew my checking account. 

I acknowledge that I bear some personal responsibility for this ( most especially the autodebits for college savings ; my bad! ), but I feel that 1 ) notifying customers by form letter over 2 weeks after they used your mobile deposit " service '' is terrible customer " service, '' ( I spent 40 minutes on the phone and had to speak with a supervisor to straighten it out ) and 2 ) because assessing 7 overdraft fees for a student loan payment seems well over the line. I almost can't wait to end my 13 year customer relationship!
Product: Student loan

I am XXXX XXXX and I am submitting this complaint by myself and there is no third party involved. 
I XXXX XXXX is a consumer, natural person and the original creditor and I know my rights. As a consumer I have the right to privacy and no third party has my permissible purpose to put anything on my consumer report. This is a violation of the federal laws. By reporting any payment history and transactional history not limited to student loan, auto loans, credit cards, installment loans and other accounts without my permissible purpose, Fedloan Servicing is found to have violated many federal and state laws. As a consumer, natural person and original creditor, I will exercise my rights and pursue ANY damages incurred for willful noncompliance and negligence on behalf of Fedloan Servicing. Fedloan Servicing Does NOT have my permission to report any of my PRIVATE business to any third party consumer agencies to be placed on my consumer report. Please remove all the accounts listed on my consumer file. 

PLEASE REMOVE FROM MY CREDIT REPORT IMMEDIATELY!
Product: Debt collection

I was informed in XX/XX/2022 by XXXXXXXX XXXX that an account alleging a debt in my name in the amount of {$1900.00} was assigned/sold to Portfolio Recovery Associates , LLC ( PRA ). 

I disputed this alleged debt in a XX/XX/2022 letter to PRA. I have never held, owned or used an XXXX XXXX XXXX XXXX issued by XXXXXXXX XXXX I asked that PRA produce the relevant contractual agreement between me and XXXX XXXXXXXX XXXX or XXXX, that contains my signature, and proof of any purchases in connection with this alleged debt were made or authorized by me. 

PRA responded by providing the referral letter XXXX XXXX sent to them. In correspondence dated XX/XX/2022, I called out PRA for their failure to substantiate this alleged debt. 

Their response on XX/XX/2022 was that they have responded to my request and consider the matter to be closed. 

I am not responsible for this fraudulent debt, and it should be removed from my credit report immediatley. PRA 's collection efforts should cease, and any harm to my credit report corrected. This has impacted my ability to refinance my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint is against Experian credit monitoring service. Good luck cancelling I called customer service and had to wait for 1.5 hours to reach a customer service representative and cancelled my membership at the end of XX/XX/2018 with a statement that my service would be available until XX/XX/XXXX when the monthly cycle was to end. On XX/XX/2018, my bank account was charged in full ( {$26.00} ) for a new month of service. On XX/XX/2018 my bank account was charged in full ( {$26.00} ) for a new month of service. When I attempted to call again on XX/XX/XXXX, the estimated wait time on their multiple customer service phone numbers were all over 2 hours. I have subsequently sent an email request with hopes of getting my membership cancelled.
Product: Credit card or prepaid card

My daughter and I opened a credit card account at Penfed Credit Union years ago. We have been trying to close the account for over a year. Penfed keeps sending a statement each month and adding {$1.00} each month at a " Paper Statement Fee. '' This is a scam and not worthy of an organization which touts itself as a military friendly credit source. I am an XXXX veteran and always had a positive view of Penfed until this experience. I shouldn't have to file a complaint with the CFPB to stop this monthly scam. There is no way to close this account with Penfed. Perhaps CFPB can help.
Product: Debt collection

they are harassing me with calls its seriously messed up idk who it is but needs to be haulted immediately. 7 times in 2 days is sickening ....
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My home was in a federally declared disaster area as a result of hurricane Irma. This natural disaster caused my family to incur additional, unplanned expenses. I was made aware of forbearance opportunity for people like myself who are in a federally declared disaster area and requested this from my lender, FBC Mortgage. FBC was  corporative in providing this forbearance and gave me 3 months with no mortgage payment. I did not need the entire 3 months that was provided and only took 2 months ( XXXX and XXXX ), paying XXXX plus some additional monies to catch up, in a timely manor. Now I expected, as my interpretation of the federal law that the 2 months that I missed would be added to the back end of the loan. FBC is not allowing that. I would then expect to be able to increase my normal mortgage payment for a few months to catch up on the payments that I missed. FBC mortgage has denied me a repayment plan. In fact, the extra amount included with XXXX mortgage payment was " unapplied ''. FBC has declared me delinquent and is insisting on a Modification. I believe you will find FBC Mortgage is in violation of federal law. FBC Mortgage is not looking out for their customers and not allowing reasonable accommodations to settle up after a natural disaster.
Product: Debt collection

My sister in law received a collection letter for me but was addressed to her. 
I don't even know her home address myself but somehow they tracked her. 
Is this legal? This was humiliating. 

Notice of collection and " special offer '' is dated XX/XX/18 from XXXX XXXX XXXX XXXX They have two XXXX XXXX address : XXXX MI & XXXX XXXX MN Original Creditor : XXXX XXXX XXXX Amount owed : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email alert through XXXX XXXX that a secure credit card was opened in my name by XXXX and it now appears on my Equifax credit report. 

I did not open this account and am stating that it was opened fraudulently and I want it closed and my name removed. I have emailed the bank in question and have a copy of the email that I sent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX {$2100.00} Opened : XX/XX/XXXX XXXX XXXX {$690.00} Opened : XX/XX/XXXX These accounts are involved in litigation. 

UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Transunion about A Ssn trace they did with out my permission. Transunion also added address Ive never lived. XXXX XXXX XXXX XXXX nc and also XXXX XXXX XXXX XXXX thats my mother in laws house I only have an id there because having a XXXX you have to switch immediately in order to get a job and I didnf have a utility bill yet so my XXXX has that address but Ive never lived there. XXXX the representative told me he couldnt help me or give me the number of the consumer relation group number. Transunion is still reporting information thats been deleted from other credit bureaus due to XXXX verification as stated from representative. 

XXXX XXXX has yet to provide a signature for said account Ive paid on account for my wife but never signed any documentation and they cant provide documentation they told me to go to the dealership. 

XXXX- cant provide documentation and cleary know its fraud but continue to report through XXXX XXXX as verified XXXX XXXX- admitted to account being paid to my seld and ohio attorney general off and fraudulently reporting through XXXX XXXX XXXX- passed state and federal statue of limitations and recalled debt. 

XXXX XXXX Ive never signed an order form with them to make an hard inquiry Please delete all address except XXXX statements and fraud alerts immediately
Product: Mortgage

I filed a complaint XX/XX/2023 on MIDLAND MTG home loan, nothing was resolved they still resend my checks if I miss one, and throws my account off on whatever day or date they want too, I looked over payment history and they forced another payment to come out because they were trying to foreclosure my home this company is horrible to the community and proud home owners I will report every day if I have to until it is resolved they, are XXXX they think they can treat customers any way because of FHA LOAN put big envelopes on your door take pictures of your house like they bout to sale it tomorrow, if I wasnt a XXXX mom Id pack my things and move, they will not run me out of my mortgage, the paper work they sent over said nothing about how they resend checks if they bounce every week until it clears they dont talk about the harassment in the paper work either all it said was my agreements from XXXX , so nothing got accomplished. Currently accounts are showing behind 120 days when they are in fact current. This loan company has tarnished my credit and will not negotiate with the consumer, nor have they reported correctly on my report.
Product: Checking or savings account

On the morning of XX/XX/2023 I woke up to an email stating unusual activity on my debit card. Upon checking my online banking app I discovered that {$5000.00} were missing from my Savings Account. Immediately after discovering this I contacted Wells Fargo through their customer service number. Followed all the steps instructed which included closing both my Checking and Savings Accounts as well as open new ones and transfer the remaining funds to them. A Claim Inquiry was made that same day here 's the claim reference number XXXX I was contacted after the investigation was done and was told that the money that was withdrawn totalled to 3 different transactions. I was credited with the sum of {$2000.00} for one of the transactions but was told that a new claim case was made to further investigate for the other transactions. Here 's the 2nd Claim Inquiry XXXX upon getting an email from one of the Associates at Wells Fargo I was instructed that they needed to have a word with me, I got this email on Friday XXXX the XXXX of 2023 at XXXX XXXX. Minutes has just passed after I received the email when I reached out to them trying to get some closure on my inquiry but have since failed to do so and tried since then to get a hold of XXXX XXXX. XXXX but had had no luck doing so I left multiple voicemails but haven't heard anything back yet.i took it upon myself yesterday and called the Claim Inquiry Department that specializes in this cases and was told that the case had been closed since they couldn't gather enough evidence to support my claim. 
I really hope you are able to assist me with the matter in hand as that is hard earned money that I wish to get back. Only reason I have the money in the bank is for that sense if security but now that trust and safety has been broken. 

Thank you for your time. 

Best Regards XXXX XXXX
Product: Credit card

I'm having an issue with my American Express Hilton Surpass credit card 's free night voucher, which was part of my sign-up bonus. Here 's what happened : 1. First, I contacted Hilton, who said they had no record of the voucher and directed me to American Express.

2. Initially, American Express couldn't locate the voucher. After reconnecting, a different agent provided me with a voucher code.

3. When I went back to Hilton, they said only American Express could make the reservation.

4. Upon contacting American Express again : a. One agent claimed I didn't qualify because I hadn't spent {$15000.00} in the previous calendar year b. They questioned the validity of the voucher code provided by their previous agent c. A different agent later confirmed I should receive the voucher as part of my sign-up bonus, regardless of spending, and said they would create a case Currently, I'm still waiting for resolution from American Express. I have audio recordings of these contradictory conversations with their agents.
Product: Debt collection

In XXXX of XXXX I had contacted XXXX about services. The person I talked to said they could give me a price of {$59.00} a month for two years, but I would only be obligated for one year. At the end of XX/XX/XXXX I returned home after a long absence. I used cable for three days and then found I was being charged {$120.00} that month. XXXX denied we had a two year agreement and conveniently deleted the tapes of my discussions with their customer service. They claim they sent me a contract to my cell phone but my phone is not able to open such materials. I refused to pay the bill. I have tried and sometimes succeeded in getting this negative item on my credit report but then they just turn it over to a different collection agency and I have to go through this again. This time one credit agency ( XXXX  ) refused to remove it.
Product: Debt collection

I sent a certified letter on XXXX XXXX, requesting debt validation or removal of two accounts from my credit report, listed by XXXX XXXX OF LOUISIANA, XXXX XXXX XXXX, XXXX, LA XXXX. The amounts were {$16.00} and {$170.00} I never received a response from XXXX XXXX as today, XX/XX/2018. These two accounts remain on my credit report.
Product: Checking or savings account

My bank, Chase, has raised my loan rate 8 times for a total of XXXX basis points since 2021 but has not raised my XXXX XXXX savings account rate by a single basis point and still pays me virtually XXXX on my savings. Why are they permitted to get away with that. It is just another example of big bank greed at the expense of mom and pop savers!!!!
Product: Mortgage

I was {$48.00} behind on our mortgage because our town raised taxes and our escrow account fell behind. GREEN TREE SERVICING called my XXXX year old mother who lives in a different city and has no connection to the loan and told her we were behind on our mortgage. She said she did n't sleep for two days worrying that we were in financial trouble. Since I could never think a real company could do something like that I told her someone was trying to scam her and then she worried about that too. Major violation of privacy and unfathomable business practices to just call relatives and talk about someone 's finances. They already got in big trouble for this in Vermont, but they are still doing it. ( This happened in XXXX 2015 )
Product: Credit card

I booked a wedding at XXXX paid a deposit on my amex card in XXXX 2016 this was paid for in full my contract with the club asked for a check on the final day in XXXX 2016 which I wrote prior to the party. There were many issues that the vendor did not resolve and things they did not follow through with on their contract I am starting a small claims regarding this. I put a stop on my check for the final amount until they can work out a resolution. On XXXX XXXX 2016 the XXXX put a charge through with AMEX for XXXX dollars. This was not authorized by me nor does it allow in their contract I called amex to dispute after a month they put the charge back on and said the company had authorization. That is not the case they showed them the old deposit authorization. I just wrote and official letter to AMEX explaining the above because when you call you get nameless faceless people in a company that is far to large to handle consumer complaints I dont wish my credit to be ruined or reported late during this dispute process
Product: Credit card or prepaid card

Wayfair credit card opened in my name through Citi Bank ( CBNA ) with credit limit of {$4000.00}, current amount reported is {$3800.00}. Notified XXXX  & Citi Bank and account is closed. They will begin investigation. 

XXXX XXXX allowed someone to finance through XXXX XXXX XXXX in my name with a credit limit of {$7500.00}. Current charges amount to nearly {$5000.00}. They have declined any further charges on the account and will begin investigation. 

Shipping addresses are the same for both accounts and I do not know anyone at the address.