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

XX/XX/XXXX. XXXX XXXX date of birth XX/XX/XXXX social ends XXXX XXXXMy complain.i always pay money I use on my credit card on time, I make sure every week I pay money have used. yesterday XX/XX/XXXX at XXXX the credit bruel put me in collections/charges and drop my score points, and update was saying XX/XX/XXXX when we are still in XX/XX/XXXX At XXXX I need some explanation they tell me why. I tried took to customer care they said they don't not.
Product: Debt collection

I received a debt collection notice from Genesis Debt Collection. XXXX XXXX XXXX placed the collection on XX/XX/20 for {$280.00} with no explanation. I never used XXXX XXXX Services. I tried to call the company but the company has a voicemail saying no debt collection will not be discussed on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, # XXXX has violated my rights 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.
Product: Credit reporting or other personal consumer reports

I am seeking your help with the false information on my credit report that has been damaging my reputation. Your poor management of my credit report has brought me considerable distress, and I need your assistance to fix this issue. These errors need to be removed so I can live without worry with my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian and spoke to XXXX on the XXXX team who was very rude. He didn't want to file my dispute with the agency even though I explained to him multiple times that I tried to contact the agency reporting and there was no resolution. He asked me to " harras '' the agency to remove these fraudulent inquires.
Product: Debt collection

A collection agency, National Credit Systems, is attempting to collect a debt in the amount of {$5800.00}. This debt was originally from XXXX XXXX in XXXX XXXX, SC. due to damage to a property by way of vandalism caused by a 3rd party in XXXX of 2020. To my knowledge, no attempt to collect this debt was made by XXXX XXXX before moving it to National Credit Systems. I was unaware of this debt until late XX/XX/2020. I had requested a hold on the account as soon as I was made aware of it while I attempted to work things out with Northwoods Townhomes but was not granted this. I attempted to reason with National Credit Systems, XXXX XXXX and XXXX XXXX, who is the owner of the property, that this debt is not mine according to the lease agreement drafted and approved by Northwoods townhomes and XXXX XXXX According to paragraph 12 of the lease agreement I can not be held liable for the damages if I am not found to have been negligent, those that did the damage were a part of my household, invitees or guests, or am found guilty of the act myself. None of which had been the case. 
After explaining this to National Credit Systems and requesting validation of the debt I was informed by the agent taking my call that the only verification necessary for National Credit Systems to  continue with the collection was that XXXX XXXX still considered the debt mine despite my legal claim to the contrary. This agent also threatened that a negative mark would be presented to the major credit reporting companies if I did not pay this debt on or about the the end of XX/XX/2020. In early XXXX I verified that this negative mark had been presented. 
I have written letters formally disputing this debt to National Credit Systems, XXXX XXXX and XXXX XXXXl. Each of these companies have respectively told me that it is not their concern, out of their hands or outright ignored my request.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding cashapps handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using cashapp numerous times and reporting discrepancies, my financial institution and cashapp failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that cashapp has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting

recently contacted the agency about Experian credit reporting agency. and 3 months later I find myself contacting you again. at the having certain items on my credit report removed in XXXX of this year information that was given to my bank in XXXX did not reflect the change once again denied credit.this morning talking to be Experian about it and my XXXX scorespace certain things on my credit report have been taken care of but they have not and will not have not updated my XXXX score to reflect the changeseven after being told that they screwed up and gave my bank the information
Product: Mortgage

Numerous times I have tried to apply for the HAMP Program with our current mortgage company Ocwen Loan Servicing , LLC . I have emailed, snail mailed, faxed and even uploaded their requested documents via their website. They keep sending me letters stating they need all the same info I keep sending them. Then I call them, and they say things are being processed. This truly is the worse company I have ever dealt with. I know that the HAMP & MHA Programs will be discontinued this year and I think they are just stalling so they do n't have to comply. Please help me. I am soon to lose my home, I have just claimed bankruptcy and I want and need to keep my home. I am on XXXX, my wife is trying to get on XXXX and we have a XXXX year old son.
Product: Debt collection

I got my credit report saying I have open collections that I do n't even know of. Please help me to dispute it.
Product: Mortgage

On XX/XX/XXXX we took out an Equity Line of Credit for Business with BOA using our home as collateral ( namely a second mortgage ). On XX/XX/XXXX I paid the final amount due of {$6.00}. I never received a release of XXXX letter. I contacted Bank of America and spoke with XXXX at XXXX on XX/XX/XXXX. She opened case ID # XXXX to find out why the lien was not released. XXXX XX/XX/XXXX I received an email from BOA stating they could not help me, that the loan had been sold to Loan IQ at XXXX XXXX XXXX, XXXX, FL XXXX. There is no phone number or contact person. BOA refuses to assist me in finding out where the loan they sold ended up. They NEVER informed me that they were selling the loan as the law requires. They refuse to assist me in getting the lien release that should have happened in XX/XX/XXXX. All my payments were mailed to BOA, XXXX XXXX XXXX, XXXX, TX XXXX, but there is no phone number or contact person. I need the XXXX released. The loan has been satisfied. Bank of America is refusing to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

About a year ago, I paid off a loan f rom Discover. However, it is still showing on my credit report that the account is open with an outstanding balance. I 've called Discover  over the course of the past few months on numerous instances about this issue. They told me that they would correct this issue but they still have n't.
Product: Credit card

Someone charged over {$7000.00} on my american express amex everyday card. The purchase was made online. During that time my email was compromised and phone as well. I have documentation to prove this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently lost my wallet which had my DL and social security card in it. A short time later, my wallet was found with my ID and social security card in it, however I think someone saved the information or kept a photo of it and tried to open accounts in my name. I realized this when I looked at my recent credit report and found 20+ many unauthorized inquiries on the report!! I tried to dispute them with creditors but they just sent me to deal with the credit bureaus and the credit bureaus have refused to help me when I requested. The following inquires were not authorized by me : XXXX : XX/XX/XXXX XXXX XXXX : XXXX/XXXX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX  : XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX
Product: Debt collection

I am writing to file a new, distinct complaint against Resurgent Capital Services, as my previous submission was mistakenly closed as a duplicate. Please be advised that this is not a duplicate complaint, and my concerns have not been adequately addressed.

Unauthorized Credit Inquiry : Resurgent Capital Services conducted an unauthorized credit inquiry on my credit report on XX/XX/year>, in violation of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681b. This inquiry was made without my permission, and I am entitled to {$1000.00} in damages for this violation. 

Inadequate Responses to Dispute : I have repeatedly disputed the following collection accounts : **Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX. 
Current Owner : XXXX XXXX XXXX Balance : {$1500.00} **Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX 
Current Owner : XXXX XXXX XXXX Balance : {$2900.00} Resurgent Capital Services has failed to provide a satisfactory resolution to my disputes. They have only sent generic letters without addressing the core issues, such as the validity of the debts or providing any signed contracts. Furthermore, they have not corrected the inaccuracies in my credit report. 

Legal Consultation : I have consulted with XXXX XXXX, XXXX, and XXXX XXXX, both of whom have agreed to take my case if necessary. I urge you to treat this as a new and separate complaint and address these unresolved issues promptly. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX XXXXXXXX, Number : XXXX
Product: Debt collection

ARA Inc. contacted me by phone XXXX XXXX, 2015 stating that I owed {$6000.00} to a XXXX XXXX Credit Card that I never had. XXXX XXXX XXXX XXXX stated that I would be taken to court and my wages would be garnished. I sent a certified letter on XXXX XXXX, 2015 telling ARA Inc. that the debt was not my debt and please do not contact me anymore. ARA Inc. than sent me a letter stating I now owe {$14000.00} since I did not pay the other amount stated. I against sent certified letter to ARA Inc. stating that under the Federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me in regard to the debt ; that is not my debt. I never had a XXXX XXXX Credit card.
Product: Payday loan, title loan, or personal loan

I made two payments on my loan. The first payment was due on XX/XX/XXXX. I made the payment on XX/XX/XXXX. The payment amount that was due was {$170.00}. I made a payment of {$350.00}, of which, I was told, {$190.00} was applied towards the interest. I made a subsequent payment on XX/XX/XXXX, in the amount of {$170.00}, just four days later. 
When I checked the balance on the loan today, I noticed that my balance was still very high after paying {$520.00}. I contacted CashNetUSA to inquire as to why my balance was so high after making early payments on the loan. They told me that most of the payments were applied to my next interest payment. 

I explained that I did not want to pay interest before it had accrued and that any additional payments made prior to my next due date, I would want applied towards the principle balance-obviously. 

They told me that I could not make early principle only payments-that I had to make additional payments when my loan payment was due. However, that would defeat the purpose of paying additional payments prior to the due date because if I have to wait to make principle only payments, due to the high interest on the loan, I would not be in a good position to pay the loan off early. Furthermore, they were unable to tell me how much interest had accrued since my last payment. 

Someone needs to explain to me how they are able to steal from customers who do not mind paying high interest rates on a short term loan, but who wish to make additional principle only payments to pay the loan off early. How can I pay it off early if they are taking all of my extra payments and applying them to the interest, that has not accrued yet??? 

I simply want all additional payments made, applied to the principle balance of the loan. I also want someone to explain to me in plain English how I can make two payments totaling, {$520.00} pithing a four day time period, and less than {$300.00} is applied towards my principle balance.
Product: Credit reporting or other personal consumer reports

Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within XXXX  days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.
Product: Credit card or prepaid card

today XX/XX/2022 at about XXXX pm eastern time. I was trying to apply for a home depot credit card. when I finish the application online it gave me a reference number at the time. but in the app it told me to call XXXX. I had my daughter trying to help me in which she work for Citibank also. she let them know I needed a XXXX  person in which the young lady said she speak XXXX. after i gave her my information she put me on hold telling me she is going to look at the application then hang up. I call again the second person repeat the process again when I am trying to explain myself he was yelling and being rude with me then pause the call never came back. then I called again then third young lady speak so fast got my information to reference my application then told me my application was denied and my daughter tried to talk to her and was rude also. I am XXXX XXXX which my daughter and wife helps me with these type of things. This is unacceptable for an organization so big like you all. those representatives was very unprofessional with this call. I would like to file a formal complaint toward the unprofessional service I received.
Product: Mortgage

On XX/XX/XXXX a payment amount was made to principal without instructions being provided to do so. Then for the subsequent months the loan servicing provider charged me late fees. I talked to the customer service rep ( employee id XXXX  ) on XX/XX/XXXX at XXXX XXXX. She informed me that the firm will not reimburse me the lat fee money. In fact that this is something programmed into their systems
Product: Mortgage

I lost my job in XXXX of XXXX and my husband and I were given an opportunity of paying {$610.00} per month stating there would be no actions against us knowing I was going to court to be reinstated. During XXXX of XXXX without our knowledge the house was in foreclosure. We actually found out our house was up for foreclosure from a neighbor who has a friend that was interested. We were on the foreclosure list and when I would call they claimed I was not, except it was all over the internet and investors were constantly writing offering to buy it and give us time to move out. One of the associates told me she needed to set up an appointment to inspect the house, another person from Wells Fargo called my husband and told him that when we left we would have to leave the stove, refrigerator, and microwave all this while we were still trying to save our home, meanwhile we continuously filled out paperwork for for forbearance 's and we were continuously turned down. In essence out of the ten payments of the requested payments of {$610.00} no payments were deducted. We were told it would take {$26000.00} in order to bring our loan current and we paid that on XX/XX/XXXX. We really tried to pay on the XXXX of XXXX but they told us they had to hold our cashiers checks until XX/XX/XXXX to verify the money. After paying {$6100.00} and then {$26000.00} they only deducted XXXX XXXX from the {$210000.00} we owed. Although we never received a forbearance they then raised our mortgage from $ XXXX+ to {$2000.00}. Wells Fargo also raised the interest on the mortgage. In XXXX we paid {$5100.00} in interest. In XXXX we paid {$4900.00}. Wells Fargo is now charging us {$930.00} per month for interest. we supposedly have a fixed rate but the person I spoke to today XX/XX/XXXX. I already told them they were just trying to take older persons homes and will send a copy of the statement where it shows they kept the money for themselves. 
In addition to all of this they sold my mortgage loan to another bank stationed in XXXX without our knowledge. We did not find out until their lawyers gave us this information. I have tried to speak to numerous persons including, XXXX XXXX who keeps promising to research but always says he forgot ; while talking to me as if I am just stupid and do not know what is going on. Note the last time we tried to get a modification they raised our mortgage by a couple of hundred dollars instead. They called this a modification.
Product: Debt collection

We keep getting repeated daily phone calls from a  Penn Credit Corp   XXXX . We DO N'T OWE anyone any outstanding debts period. We are both  XXXX  senior citizens, and as I said, we owe nothing to anyone period. How do we get these morons to STOP calling our home? If they are looking for a relative i.e. our daughter, who no longer lives with us has been gone from our residence for over  XXXX  years.
Product: Credit card or prepaid card

On XX/XX/XXXX Mr. XXXX was hospitalized out of state from his home town due to a severe fall. Mr. XXXX remained hospitalized and in-house rehab until XX/XX/XXXX. During the time of being confined to the hospital his job and other businesses had continue to deposit funds to his Netspend All-Access prepaid debit card. Those funds was stolen from Mr.Coats accounts. 
Mr. XXXX filed a dispute with Netspend Dispute department and included the discharge summary from the hospital, a police report, Federal Trade Commission report, Netspend Unauthorized Dispute document and other relevant information. The dispute department closed the claim due to no error found on XX/XX/XXXX. The dispute department reason of account closure is as follow The PIN transactions being disputed are consistent with your previous account activity, such as the merchants shopped and their physical locations. Additionally, our records show that the PIN was not changed prior to the period of unauthorized usage. 

We are certain that the card was compromised by a possible relative or associate that lived in the same area and was knowledgeable of Mr.XXXX  whereabouts, So it likely that the card was utilize at the same merchants where Mr. XXXX previously shopped but that shouldnt disqualify the charges from being unauthorized. 

Mr.XXXX  is requesting the claim investigation to be reopened and he receive his provisional credit as scheduled by XXXX XXXX.
Product: Debt collection

XXXX Bankruptcy filed XX/XX/XXXX- property surrendered in bankruptcy. Lender and XXXX notified. 
Lender sold mortgage to : Nationstar Mortgage , LLC, XXXX, TX XXXX - on XX/XX/XXXX. 
Nationstar was notified by Certified Letter dated XXXX. The property had been surrendered XX/XX/XXXX bankruptcy. 
XXXX attorney has filed charges and obtained judgment based on incorrect information.
Product: Mortgage

In 2014 I made XXXX payments by mistake, and ever since Ive been calling because XXXX of thosepayments was applied to principal when I never said that it was for the principal. Whenever I call, Imtold that everything is fine, but when I get me statement, they charge me for XXXX months and withpenalties. I always send them what is necessary for the monthI never send them any more. I needsomeone to call them and to have them tell me the truth, since theyre always lying to me. Thank you. 
Im writing in XXXX because I dont know how to write in XXXX.
Product: Checking or savings account

Electronic check was deposited on XX/XX/XXXX for the amount of {$4200.00}. It was processed and cleared from the account holder who endorsed the check within 2 days. 
On Friday XX/XX/XXXX I received an email from chase saying my account would be closed. I wasnt sure if this was in error as I didnt see any messages in my online account. Since the funds had been cleared and showed available in my account, I attempted to use and was rejected. 
I contacted chase on XX/XX/XXXX attempting to resolve and use my funds. Their recommendation was to have the check issued call chase to clear the transaction. The issuer called and stated everything was clear on their end, funds were disbursed appropriately. 
I called back XX/XX/XXXX to follow up. They gave me the same recommendation to have issuer call. Issuer called and received the same information. 
I decided to conference call with issuer on the line to clarify banks request. They verified issuers information and assured me issue would be resolved and I would have access to my funds within XXXX XXXX I attempted to use card XXXX XXXX later and my account is still restricted. They continue to waste my time and issuers time and give us the run around. The funds are not in issuers account nor in mine. This restriction does not allow me to buy food for myself or family and is also costing me time and money.
Product: Money transfer, virtual currency, or money service

My card got lost and also someone gained access to my account through there own device that was not authorized which was confirmed I disputed a few transactions which they did credit back but they also denied several that were also unauthorized and I disputed them at the same time. 

XXXX. XX/XX/XXXX from XXXX XXXX for {$10.00} each and its XXXX transactions XXXX. XX/XX/XXXX from XXXX XXXX for {$34.00} and {$11.00} These transactions were denied and I tried contacting XXXX and they wouldn't give me a refund for them and that's when I went forward with disputing them with venmo and they denied them