23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This I C SYSTEM account with a balance of {$70.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXX/ {$0.00} / XX/XX/XXXX ( Original Creditor : )/ {$35.00} / XX/XX/XXXX
Product: Debt collection

In XX/XX/2021, I had consent to a complete background screening for employment. Only then was it brought to my attention that I had a multitude of debt and arrests I had absolutely no knowledge of. Due to a private domestic XXXX situation, 10 years ago, I went into hiding and refrained from anything that placed my information on public record. During this period I had not asked for any credit from anyone cause it placed my safety at risk. I immediately obtained legal counsel and began researching all of this fraudulent activity which began nearly 10 years ago. I filed an identity theft report with law enforcement and the Federal Trade Commission where I received instructions on the recovery process. A fraud alert was immediately placed on my account to prevent further theft and new fraud accounts. Also, all of the necessary documents needed to dispute these fraudulent accounts, were sent via certified mail to the credit bureaus. Under the Fair Credit Reporting Act 605B, the reporting agencies shall remove and block any information from a file that is a result of identity theft. The credit bureaus are alleging that National Credit Systems was informed of my documented report of identity theft but instead continue to report this debt as valid ignoring the proof in my documentation. I have never done business with this agency or any creditor affiliated. They do not have anything indicating that I authorized use of my identity to receive any services. I have never provided any forms of identification or signed any contracts to validate this debt. Therefore, ignoring my requests and continuing to pursue payment on a fraudulent debt is extremely unfair, illegal and a bad business practice. I am currently working on obtaining video evidence to bring criminal charges to the person responsible whom I believe is a close relative. In the meantime, this agency needs to honor my rights as a victim and remove this debt from my name and cease all collection efforts from me as I am not responsible nor have I participated in incurring this debt. I believe each company has a process on dealing with fraudulent accounts as they would also have extensive means to verify one 's identity prior to opening these accounts. This has been an overwhelming process and I'd appreciate it if my rights were honored and this debt is removed from my account permanently.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I made a purchase in the amount of {$25.00} on my XXXX 's card. On XX/XX/XXXX I made a payment in the amount of {$40.00} to XXXX XXXX. On my XX/XX/XXXX billing statement I was notified that my account was past due. I immediately called XXXX XXXX to explain that a payment was made on XX/XX/XXXX. They could not locate the payment and I was told to file a dispute which I did. The results of the dispute arrived in XX/XX/XXXX and indicated that my payment was sent to an account that was discharged in bankruptcy in XXXX and that the balance on that account was over {$800.00}. After receiving the dispute results, I called XXXXXXXX XXXX  in XX/XX/XXXX requesting that the funds that were misapplied by TRANSFERRED to the appropriate account. I was assured that would be done and the late fees removed. In XX/XX/XXXX, I received another statement saying that my account was passed due. Again, I immediately called and asked to have the misapplied funds transferred. The associate was very helpful and was honest and revealed that this request would require manager approval, and that the previous associate did not submit the request given the reason that " the customer wished to withdrawal request ''. She assured me that she would submit the funds transfer request. XXXX XX/XX/XXXX I receive another communication from XXXXXXXX XXXX stating my account was passed due, and again, I call immediately and initiated a second dispute. This time I was transferred to XXXX and told that they COULD NOT TRANSFER the funds, so they would have to issue a refund. On XX/XX/XXXX I submitted a complaint to the XXXX XXXX XXXX. On XX/XX/XXXX my account was reported delinquent to the credit bureaus. On XX/XX/XXXX I received the refund check for {$40.00} which I must stress, I DID NOT ask for. I wanted the funds TRANSFERRED. I called XXXX 's that day and during this call the associate was able to remove all but {$2.00} of the associated fess and interest. I told him that I would send payment in the amount of {$27.00} via my bank 's bill pay. On XXXX XXXX XXXX 's received the payment. XXXX 's responded to the XXXX with inaccurate information, and although they have removed the delinquency from my account, they are still reporting my account as " passed due 30 days '' for the month of XXXX to the credit reporting agencies. This " 30 days past due '' is because XXXX 's refused to transfer misapplied funds/issue a refund in a timely manner.
Product: Debt collection

I have been violated by Transunion. My last few complaints were about the removal of inquiries as a result of identity theft. After a few complaints submitted, all inquiries were removed from my credit report as per my request. Because Transunion has admitted that their practices are in fact abusive and deceptive by deleting the inquiries, they are liable to compensate me pursuant to 15 U.S. Code 1611 and 15 U.S. Code 1640. Pursuant to 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' This U.S. Code was used when disputing the inquiries on my credit report and the inquiries were successfully removed. Transunion admitted to their unlawful practices and is legally liable to compensate me with monetary remedy for the damages done to me. I have sent several rounds of letters with invoices included. Please compensate me for the damages done.
Product: Debt collection

Anteriormente haba enviado una solicitud y su nica respuesta fue una lista detallada de los supuestos cargos que usted afirma que le debo. Solicito pruebas de que soy efectivamente la parte a la que solicita el pago de esta deuda ya que lo que me enviaron no es suficiente y la verdad que su falta de informacion me esta afectando emocionalmente. Se agradece su atencin inmediata a este asunto
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX  hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XXXX i did not authorize XXXX company and got nowhere with them XX/XX/XXXX XXXX XXXX hard inquiry i did not authorize contacted company and got nowhere with them suburban ford XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XXXX XX/XX/XXXX hard iquiry i did not authorize contacted company and got nowhere with them XXXX XXXX  XX/XX/XXXX hard inquiry i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them XX/XX/XXXXXXXX XXXX XXXX i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX  i did not authorize contacted company and got nowhere with them XX/XX/XXXX XXXX XXXX i did not authorize contacted company and got nowhere with them
Product: Debt collection

XXXX from XX/XX/XXXX on one patient and XX/XX/XXXX on the other patient. Two XXXX bills and one XXXX XXXX bill sent to collections without written notification or any notification for that matter. We have been making monthly payments on all three accounts and all of a sudden they were sent to collections without notice. The monthly payments varied when my husband lost his job but payments are still being made consistently. No notice was sent to put on a payment plan to pay the bills down to avoid collections. Phone calls have been made numerous times and messages left with XXXX XXXX XXXX XXXX with no return calls. No one ever answers the phone in their billing department. XXXX. A message was sent online recently and still awaiting a response on that as well. Two of the accounts are with XXXX XXXX XXXX and one is with XXXX XXXX XXXX XXXX. They are all out of XXXX XXXX XXXX XXXX. I did speak with XXXX XXXX XXXX this morning and they are looking into the account. XXXX XXXX XXXX XXXX is my biggest complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out in response to an account error that has impacted my credit score greatly. I am currently in the process of buying a home, so my credit is very closely monitored at this time, which is how I received notification of this error on XX/XX/2020. 

In XXXX this year, I called the XXXX visa card customer service to set up automatic billing. I was transferred to another employee because the initial employee said he did not have the ability to set that up for me. The second person said she was able to set up automatic billing for me. She helped me pay my balance down and set up my payments using the card I have on file. 

I found out yesterday from my credit report that the payments showed 3o+ days late as of XXXX. When I reached out to the XXXX Visa card customer care line, a gentleman let me know that the automatic payments were only set up for the following month ( XXXX ), but not set up for payment past that month. However, the employee that I spoke to in XXXX communicated to me that they had in fact enrolled me in the automatic billing, so I assumed the funds would continue to be auto-debited out of my account as they were for both XXXX and XXXX. He suggested that the employee must have " miscommunicated '' to me. On XX/XX/XXXX, I ended up paying off my entire balance because I can not risk an error like this happening again. 

This error has dropped my credit score 15 points, and I am closing on my new home in XXXX, so I wanted to reach out to try and resolve this issue. 

I spoke to several employees to see how we can mediate the issue, but all three suggested that they could do nothing, so I wanted to escalate the issue for mediation. 

Thank you for your time.
Product: Mortgage

XXXX XXXX ( Plaza Home Mortgage ) has been servicing my loan since XX/XX/XXXX. This XXXX XXXX XXXX mailed the XXXX real estate tax document to show what payments are due this year. Since our property taxes are paid through escrow on our loan, I logged into my account to make sure these payments were already updated, especially because there was an increase of almost {$1000.00} this year. Property taxes were not yet updated so I called customer service and they told me to email the document to them so they can update and recalculate how much should be put into escrow to cover our payments this year. They updated the first installment payment only. I have called customer service multiple times to request they add the second installment payment. They keep citing errors made on their end and kept assessing {$7.00} fees to re-calculate my loan even though every time was due to their own mistakes in updating the loan. Last time I called I spoke with someone in the tax department for an hour. They emailed me an update on XX/XX/XXXX to say everything is updated and taxes will be paid on time. I emailed back XX/XX/XXXX to AGAIN request they add the second installment payment due to the escrow account so that our monthly payments include any additional money needed to cover taxes this year. I still have not heard back from anyone. This has been a common theme in dealing with XXXX. They don't consistently respond to my inquiries and I've had to call and email many times for the same request, just to have my loan updated accurately. Communications regarding my loan have been hit and miss and the communications I do receive are always severely delayed. Now, I've been notified that they are transferring my loan to a different servicer and I'm concerned my loan is going to be sent to the new loan servicer all messed up and that impacts my monthly payments. My experiences are showing XXXX to operate in dishonest and chaotic ways where I, as the customer, is getting the short end of the stick. This feels unfair and unethical.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I signed a lease with my ex significant other. XX/XX/XXXX we decided to go separate ways. I did not live in the apartment on XXXX XXXX XXXX. In XXXX of XXXX a new lease was created with just XXXX XXXX as the sole tenant per XXXX XXXX XXXX leasing consultant XXXX. On Thursday XX/XX/XXXX I contacted National credit systems XXXX XXXX XXXX account. When I finally was able to reach someone at the collection agency due to having no operator only employee extensions which I had to guess to get ahold of someone. I asked what was the account filed on my credit. When I was told it was an account with XXXX XXXX, I knew it was an incorrect filing on my account because I never lived at XXXX XXXX XXXX.
Product: Mortgage

This a Notice of Default because Wells Fargo failed to respond Wells Fargo has failed to produce and respond to 5 ( Five ) Qualified Written Request and the Verified Affidavit from XXXX XXXX XXXX sent to them in 2016 regarding the issues that were found In the assignment that were sent through Consumer Financial Protection Bureau, XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX, Office of Comptroller of the Currency, US Department of Justice and XXXX XXXX XXXX Furthermore, Wells Fargo has not adhered to the OCC Consent Order and has violated consumer protection laws.. Until the issues raised have been resolved indefinitely, XXXX, XXXX and XXXX XXXX and Wells Fargo, need to postponed and a cancel of the sale slated for XXXX XXXX, 2016. 
They are violating the Fair Debt Collections Practices Act I 'm enclosing the recorded Verified Affidavit from XXXX XXXX XXXX and Qualified Written Request.
Product: Student loan

Thank you for your time. 
I really appreciate this communication channel. 

I submitted a complaint on XX/XX/XXXX related to my XXXX XXXX private loans with Navient and I was told an application for a Private Loan discharge program was going to be share with me once initiated. 

I was informed by a third party the program already started and many people have already submitted theirs, yet Im still waiting to receive my application. 

I dont understand how a company is allowed to continue to seek for payments and charge extremely high interests on fraudulent loans offered by a criminal institution who sold a faulty product, even though I already paid the initial borrowed amount, I still over 3X that amount for a program I never used. 

This has been a horrible experience for me, professionally, economically and psychologically. 

Its been XXXX years since and I still owe over {$30000.00}? 

This has to stop, please
Product: Checking or savings account

I opened an account with Axos Bank and transferred {$10000.00} into the account. I immediately realized their online interface was not functional -- simple things like Bill Pay did not work. I immediately decided to transfer the funds back out and close the account. I submitted the paperwork for a wire transfer on XXXX XXXX, 2022. Multiple messages and phone calls with Axos followed as they nitpicked the transfer, asking for a wet signature and for me to remove my title of " Owner. '' Then, they sent me an email stating my account had been closed and the transfer declined, and refusing any further explanation. I contacted XXXX, the bank I had requested the transfer be sent to. XXXX said there was no trace of a transfer being initiated. I have since called Axos dozens of times and been given no answer as to if/when my money will be transfer. One agent told me that the transfer had been sent back to the bank account where I had initially drawn the funds to open my Axos account. I did not put this bank on the request form, so if this happened it is a major breach of security. I called this bank ( XXXX XXXX XXXX ) and they had no record of a transfer being sent to them. I keep calling and emailing Axos and I am continually rerouted to other agents and told someone will call me back. No one does. At this point they've effectively stolen XXXX  from me.
Product: Debt collection

I reside atXXXX XXXX XXXX XXXX in XXXX VA XXXX.My landlord is deceased on or around XXXX XXXX he died intestate. The social worker for XXXX XXXX is attempting to contact An attorney She had a complete XXXX XXXX and, has the XXXX XXXX XXXX XXXX  and is under XXXX  XXXX  XXXX.I request they stop contacting me and file a claim with XXXX XXXX 's estate
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX year of XXXX I sent Equifax a dispute regarding XXXX XXXX  listed on my credit file. In XXXX I directly contacted XXXX XXXX in reference to an unknown account on my report. According to Equifax there is an outstanding balance of {$1600.00} associated with this account. XXXX XXXX sent a bill with the total listed of {$830.00}. This is clearly not a valid account with conflicting information from XXXX XXXX to the credit bureaus and myself and I am demanding this inaccurate account and Information to be removed from my credit file. I have attached this contradicting information.
Product: Debt collection

US Collections West is attempting to collect more money than what they are lawfully entitled to collect. The owner of the debt agreed to accept {$1500.00} to settle the debt in full and US Collections West Owner XXXX XXXX refuses to honor the agreement and refuses to communicate with legal counsel for the defendant. He hangs up on consumers, yells at them, and tells them he will take them to court though he is not an attorney. XXXX implies he is a lawyer in every communication because he has been in debt collection for years but he is not abiding by the law and violates ethics rules by acting as an attorney - he even refuses to abide by his own client 's wishes.
Product: Credit card

attempting to get SCRA benefits applied pursuant to Louisiana state law RS 29:312 subsection D. 

D. In order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on XXXX XXXX, shall provide the creditor with written notice and a copy of the military or gubernatorial orders calling the person to XXXX XXXX and of any orders further extending XXXX XXXX, not later than one hundred eighty days after the date of the person 's termination of or release from XXXX XXXX.