23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Complaint # XXXX was previously filed and believed to be resolved but was not. XXXX XXXX, XXXX only changed collection companies to Amsher Collection Services , Inc. for the same billing error trying to bill twice for cable internet service. There is no rational or logical reason to want or need two internet cable services about the same location, for the same business, for the same download, that existed before, and still exists the same. Especially after the previous service was cancelled and XXXX continued to bill despite cancellation. This attempt at a false collection is bullying me especially after the previous collection company withdrew!
Product: Mortgage

Nationstar has me 60 days late when I have made more payments than I should have paid. They are showing me due for the XX/XX/XXXX payment, not only have I paid that payment, but actually I 've paid the XX/XX/XXXX one. Example : if there have been a total of 48 payment due since the modification, I have made a total of 49 payments, but they have misplaced two payments.
Product: Checking or savings account

Bank has failed to send mail correspondence regarding a fraud claim on a personal account covered under regulation E. Bank has denied claim multiple times, and has failed to send mail correspondence regarding merchants, response, or any email correspondence regarding claim other than the initiation of the claim. Claim was filed within 30 days of the transactions in XXXX. Fraud disputes department is deliberately not providing detail reasons of denial in writing, through the mail which makes it difficult for me to respond. I provided enough detail over the phone to counter any arguments made by merchant/bank on the claim. I mostly received mail on past claims unless the bank is hiding something and ruling against me. In those cases, they almost always fail to send mail correspondence which violates EFTA regulation E on personal accounts. Im still waiting on mail correspondence on the claim which was supposedly mailed by the bank on XX/XX/XXXX, from what their claims department has said. 

Bank of America is not protecting me against fraud as theyre suppose to and as they advertise. Instead theyre enabling it with payment providers such as XXXX XXXX I never made any transactions of this size with the merchant in dispute. One of my additional devices was probably assessed by a former roommate at the time, without authorization, who is suspected to be behind these transactions in areas and under IPs i use. I wasnt aware at the time of how these transactions may have occurred The status shown on there website isnt accurate and is less than helpful
Product: Credit card

Ive been waiting on a replacement card for 5 months wile they just take money out my account. I can never speak to anyone they have you on hold for hours and the portal never works
Product: Credit reporting or other personal consumer reports

I have sent them my updated credit report which was investigated by XXXX that the apartments had fraudulent activity going on and I did not owe it has been removed but XXXX will not remove so me and my kids can have home again
Product: Mortgage

My mortgage was purchased by Mr. Cooper last month. Literature sent and information online indicated that payments must be mailed to the original mortgage company or Mr Cooper. I had previously set up direct withdrawal for my mortgage ( set on the XXXX of the month, which is also the due date ). 

Up until XX/XX/2019, I did not have any account information to send a payment by mail to Mr. Cooper. On XX/XX/XXXX the Mr Cooper account page became available and I was given the option of making my payment ( then 6 days past due ). I made my payment on XX/XX/XXXX. 

Today ( XX/XX/XXXX ), I checked my bank account and see that Mr. Cooper took out the payment I authorized on XX/XX/XXXX and also another payment on XX/XX/XXXX ( at slightly less than required payment for some reason ). 

I did not authorize 2 payments from my account. I have not been able to get a response from Mr. Cooper. I have other bills due and need the money returned. This second withdrawal makes no sense, was not authorized and upon looking at the Mr Cooper web page, has not even been applied to my mortgage. 

I am currently in the process of refinancing my home in order to avoid dealing with Mr Cooper. These unauthorized actions by them only serve to negatively impact my ability to refinance and separate from Mr Cooper. 

I can only assume that this additional withdrawal is an active and intentional effort to keep me from closing my contract with Mr Cooper. 

Please help me to have my funds returned to my bank account ( or at least to get some response from Mr Cooper )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting in XXXX : XXXX XXXXXXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX TRANSUNION : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act the following listed below has violated my rights. 

XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

I have behind on my mortgage due to lost my job and my wife got XXXX. It had been more than 8 month long for me and I finally come to solutions that need to short sale my house. We submitted the request and lender SLS did not accept it and they said not enough time and even though my realtor called they said they dont have any other options to me other than foreclosure. They keep misleading information by submit the package before 21 days and 15 days and then they said they need 30-60 days to review. Sorry they have to foreclosure my house. I want them to help the struggles family like me to find solutions than foreclosure.
Product: Checking or savings account

On XX/XX/21, my husband and I deposited {$1000.00} cash into a XXXX IL Chase ATM. It said it couldn't read {$200.00} of it and returned the bills. He hit the " deposit more '' button in an attempt to reinsert the bills. At this point, the whole ATM froze for about 2 minutes. Then a message popped up, something along the lines of " please call this number to make sure your deposit went through ''. The number disappeared off the screen before I could even get my phone out. The machine did not issue me a receipt. Turns out the deposit did not go through so I filed a claim and they issued me a temporary credit of {$800.00} for the missing money. My relief was short lived, on XX/XX/21 I received a notice letting me know the claim has been denied because when the ATM was emptied and counted " there were no overages nor error messages put out that day ''. They simply can not find my money and they'll be revoking my {$800.00} credit on XX/XX/21. I spoke to 2 representatives and 2 supervisors who all told me they could not help me further. They spoke to me as if I'm lying about my deposit. One supervisor said " I don't know I guess the machines just glitch sometimes ''. My husband and I are on camera depositing the money into the machine but no one will check the cameras. When I inquired to that specific branch about checking the cameras, they referred me to the claims department and said they have nothing to do with the outside ATMs. When inquiring to the claims department, they stated they have no ability to check the cameras either and referred me right back to the Chase branch. Somewhere in the mix, someone from Chase suggested I make a police report and have the police pull the cameras. I went to the XXXX IL police station and they refused to make a report because " it's a civil matter ''. 

This is an incredibly frustrating situation. {$800.00} is a lot of money for us and now it's going to accrue overdraft fees as well, since we can't cover the credit they're revoking. We desperately needed the cash we were depositing to fill the hole in our account from emergency vet bills. As someone who has banked with Chase for the past 8 years, I should be treated like a valued customer but that is the opposite of what has happened here.

I do have notices from Chase including documentation of the claim, phone calls to the claims department and a screenshot of my mobile banking app showing the {$200.00} deposit that went through and the absence of my {$800.00}. They are attached.
Product: Debt collection

Disclosed on my Consumer Report is a charged off account from XXXX Bank. Under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports- ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I checked our credit scores with XXXX XXXX because we were applying for an apartment and wanted to check our scores. This was on Wednesday, XX/XX/XXXX, in the XXXX. Saturday, XX/XX/XXXX I received an email from XXXX XXXX stating that there was a new credit account on my report. I thought this was suspicious as I had just checked my score a few days before. XXXX XXXX seems to just be a funnel for getting customers to sign up for new credit cards stating this can improve their score. I looked up the organization on my report that was this new credit account account on my report. It was Commonwealth Financial Services. I searched the web for them. They offer a deal where you can pay them to expunge the negative ding to your credit score ( mine had gone down 2points ) by sending them money without contacting the creditor. They did not reveal the original company of the debt or even the collection agency working for them. This seems like a scam where XXXX XXXX and Commonwealth Financial Services are working in tandem to rip people off. I want the ding taken off my credit score, if there really is one and I hope this is investigated and consumers can be alerted to this scam.
Product: Vehicle loan or lease

I was convinced to use my credit cards and max them out because I was promised and told a HANDFUL of untruthful things. I WAS LIED TO. NOT ONLY DID MY DOWN PAYMENT GO TOWARDS THEIR COMMISSION AND NOT TO MY LOAN, THEY TOLD ME THE BANK REQUIRED IT AND THAT WAS NOT THE CASE!! I WAS ALSO TOLD ID BE GETTING A REFUND CHECK FROM GAP COVERAGE, TO MAKE ME FEEL BETTER ABOUT THE DOWN PAYMENT, I CALLED AND THAT WAS ALSO NOT TRUE AND NEVER CAME! I HAVE EVEN MORE DEBT BECAUSE THEY WANTED THEIR COMMISSION THAT WAS SUPPOSEDLY MY DOWN PAYMENT OF {$970.00} THAT NEVER WENT TO THE BANK. 


I feel EXTREMELY taken advantage of at a low point in my life that i needed to refinance my car. I was told not worry about the down payment, and that my refund checks would cover most of it, and it was all LIES! 


I have attached proof of where my money was dispersed. Proof of them stating the information about the down payment was all done over the phone because that was their preffered contact methods. They did mostly everything over the phone. XXXX and XXXX were my agents. Also they already charge a {$470.00} fee for their services. So this {$970.00} is also just XXXX greedy!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

SANTANDER AUTO is reporting that on XX/XX/2018, XX/XX/2018, & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Product: Credit reporting or other personal consumer reports

I was stunned to see inaccurate accounts suddenly appear on my credit report this evening, with no explanation as to why. I routinely check my report, and everything was normal until now, making this discrepancy even more unsettling. I tried refreshing my browser, hoping it was a simple glitch, but the errors persisted. I'm now requesting that the documents I submitted be carefully reviewed so I can finally have peace of mind and not worry about this issue again.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach from Equifax, it was confirmed that my personal information was impacted by this incident. The below address 's are not mine nor have i lived there. 

XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX  Pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pa XXXX XXXX XXXX XXXX XXXX XXXX  Pa XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2014, an account was opened on my name at XXXX XXXX ( somewhere in California, at that time I was living in XXXX ), and they billed me for {$820.00} ; however, I have never registered for this school. 
I sent multiple letters to this school ( and later to XXXX XXXX XXXX  ), and I have never received any answer from them with proof that it was I whom incurred in that debt. 
I also sent " 609 Letters '' to the Credit Bureaus '' and XXXX and XXXX efficiently performed an investigation and they already removed this charge. 
Unfortunately, Experian does not, and after numerous complaints and phone conversations along with long hours of waiting, its employees responded that " they do not investigate anything '' and I am the one who has to perform the investigation. 

After I remind a bunch of XXXX and XXXX XXXX  who ignore completely USA laws ), about the Fair Credit Reporting Act, 15 U.S.C. 1681 ; and they are liable to a lawsuit for libel and ... .they hung up!

Experian is the worst of the Credit agencies and it should not exist!! 

Please help me to arrive to a resolution on this case, because at this point the fact is that Experian is ruining and damaging my record, in addition, they also hindering the advance and progress of my economical future as a home owner. I can not buy anything ; and I lost great opportunities of investment because Experian refuse to perform an honest and thorough investigation. They have never sent me the results of my multiple inquires, or the 609 Letters that I sent. 

I know they won't investigate anything and I will be forced to file a lawsuit ; but before I do that ... .I beg you please help me. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Synchrony Bank sent me a letter XX/XX/XXXX stating their closing my account into a decision was based in a part on a credit scoring system. They have my score XXXX date : XX/XX/XXXX, and while the date of the credit score may not be recent, My score has likely not changed significantly since this date. Which that is incorrect, date : XX/XX/XXXX My score was XXXX, date : XX/XX/XXXX My score was XXXX and date : XX/XX/XXXX my score was XXXX. They want to close my account with Inaccurate information, and I'll be gladly to give my score reports as proof.
Product: Debt collection

When we received notification that a debt collector was attempting to collect a debt which we believed was fraudulent. We immediately contact the debt collector and requested documentation showing debt was valid. After 35 days we received an email they spoke with the original creditor and was told debt was valid. When we again requested written documentation showing the debt was valid the debt collector advised us they would no longer attempt to collect the debt but refused to provided the verification of debt.
Product: Debt collection

American Express is in violation of 15 usc 1692c ( c ) - If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. AMERICAN EXPRESS has been notified in writing to cease and desist communication. AMERICAN EXPRESS continues to violate my consumer rights while continuing communication through mail and emails even after receipt of Cease-and-desist letter. Pursuant 15 usc 1691 ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a transaction- because the applicant has in good faith exercised any right under this chapter AMERICAN EXPRESS suspended all charging privileges threated to cancel my consumer credit plan and threated to refer my consumer credit plan to a local attorney offic after I invoked my consumer rights. AMERICAN EXPRESS is in violation of 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. AMERICAN EXPRESS sent mail with symbols on and in the content inside the envelope through the mails that indicates their in the debt collection business. AMERICAN EXPRESS is civilly liable Pursuant 15 usc 1692k.
Product: Mortgage

I had a split mortgage with XXXX XXXX XXXX and JPMCB HOME. Both accounts were legally paid in full for less than the full balance. The Foreclosure was discontinued. While I was XXXX, my EX wife did not pay the mortgage. With my job in the XXXX I had no way of knowing. In our divorce the Judge ruled in my favor of the responsibility of the payments being made hers while I was in XXXX. When I returned home I worked with the banks to rectify the situation and was able to pay the mortgage off. Please remove this from my report as she was ruled the responsible party ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying for Equifax Complete Advantage Plan monthly for a couple of years in an effort to monitor and correct errors which I knew existed on my Equifax report. The errors on my Equifax report include accounts that are not mine and several names and addresses associated with my Social Security Number which are not mine. I have attempted on at least 4 occasions over the last year to dispute the information and get them to fix the information by following their online dispute process. I have received emails indicating that the dispute investigations were complete, and that I would need to login to the Equifax site in order to review the results. But I could not access the information on the site because the security questions I am asked to complete are not associated with my records ; they are associated with the records of the people whose names are erroneously being reported on my Equifax report. The mess they have created has made it impossible to resolve the issues online. As a result, I have tried calling them to resolve the issues and have been transferred from one department to another and to another. No one at any of the departments knows how to resolve the problem and no one ever reaches out to me to try to resolve the problem. Back in XXXX of 2017, I took a day off from work to contact them by phone. After hours of trying to get to the right person, I spoke with a supervisor who assured me changes were made, but I am now paying for another service ( XXXX  XXXX ) and I can see that the erroneous names are still there. Additionally, I am now receiving pre-approved credit offers in the mail for one of the erroneous names on the report and I am concerned that someone on my report will start opening the pre-approved credit accounts and complicate my report further. This is such flagrant incompetence and/or a scam on behalf of Equifax to delay the resolution and continue to receive my monthly payment. They appear to have no interest in fixing the report. 
My next steps will be to get attorneys involved. I can not continue to waste time with their incompetence and lack of resolution.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate information that has been reported on my credit report by XXXX XXXX. Despite my efforts to resolve this issue directly with the credit bureau ( s ) and XXXX XXXX, the inaccuracies remain uncorrected and are adversely affecting my credit standing. 

The inaccuracy on my credit report is as follows : 1. An account from XXXX XXXX, account number XXXX, is incorrectly reported as delinquent for XX/XX/year>. 

I have contacted Experian and XXXX XXXX XXXX XXXX, providing them with documentation that clearly supports my claim that the information is incorrect. Despite this, the disputed information remains unchanged on my credit report. The steps I have taken to resolve this issue include : - I have submitted documentation every month since XX/XX/year> to both the credit bureau and XXXX XXXX to correct this error. 

Enclosed with this complaint are copies of my correspondence with the credit bureau and XXXX XXXX, as well as copies of the documentation that I provided to support my dispute. 

The continued presence of this inaccurate information on my credit report is causing significant harm to my credit rating and financial wellbeing. I respectfully request that the CFPB intervene in this matter to ensure that the erroneous information is corrected promptly. 

Thank you for your attention to this matter. I look forward to your prompt resolution of my complaint.