23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX car accident XXXX received wells Fargo payment invoice XXXX filed GAP insurance claim XXXX received wells Fargo payment invoice XXXX Insurance pending XXXX Wells Fargo balance due letter XXXX I called to see if payment was received from GAP NO Further Contact No Calls No letters, no collections XXXX Received Debt Charge off XXXX Disputed with Credit Bureau ( requested Validity of Debt ) XXXX Disputed denied XXXX Disputed With Wellsfargo & Credit Bureau XXXX denied I have requested : any Proof of payments received and copies of any letters attempting to collect a debt. FDCPA was not followed I did not receive Fair chance to pay debt prior to it being charged off.
Product: Credit reporting or other personal consumer reports

I request bad information be removed from My Transunion Account several times this Year ( XXXX  ) from about XXXX all the way time XXXX and it stopped me from getting a apartment and Buying a Home.
Product: Checking or savings account

On XXXX I walked into my local Chase bank and sat with an officer who reviewed my information and verified my veteran status. We proceeded to create an account without any issues. A week later, I receive a letter from Chase notifying me that my bank account is to be closed without reversal of their decision. On that notification letter nor via the call center or branch office did they provide me with a reason why. I've called and haven't gotten a response other than 'Chase does not let us know why '. I do have an Amazon Chase credit card which is still active. But yet, I have no response as to why close the bank account. I own my own home, have ok credit, stable income and a reliable career, along with veteran designation and I do banking with another institution as well. I don't have anything crazy on my credit reports either. I've never been involved in a crime or have any judgements against me. I just want transparency to understand where their decision stems from, other than the assumption that they just didn't like my last name.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of the alleged debt associated with the above-mentioned account. I request that you provide the following information to validate the debt and your authority to collect it, as required by the Fair Debt Collection Practices Act ( FDCPA ) and New Jersey state laws XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX : Please provide evidence that XXXX XXXX is licensed to collect debts in the state of XXXX XXXX XXXX This should include a valid XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX XXXX XXXX XXXX 


XXXX of XXXX with XXXX XXXX : Please provide a copy of the contract or agreement between XXXX XXXX and the original creditor that grants them the legal rights or authority to collect on the alleged debt. This document should clearly show that you have the legal standing to pursue this debt collection FDCPA VIOLATION Communication with third parties : I am also concerned about your company 's communication practices, particularly with consumer reporting agencies such as Experian, XXXX, and XXXX. I have reason to believe that you may have communicated information about this alleged debt to these agencies without my prior consent or authorization, which would be a violation of the FDCPA. 

Failure to provide this information and continuing collection efforts without validation will compel me to take legal action to protect my rights under the FDCPA and New Jersey consumer protection laws. 

Please respond to this dispute within XXXX  days from the receipt of this letter. If you fail to provide the requested information within this timeframe, I will consider the debt invalid and will take appropriate actions to dispute and rectify this matter.
Product: Mortgage

I spoke with Midland Mortgage XX/XX/ on my loan modification with XXXX teller # XXXX for XXXX and they have offered me a modification of 3.125 % which should have lowered my payment but instead they raised it to XXXX My original payment at 4.75 was XXXX and they are unable to explain to me why the payment has gone up except to say they had to add XXXX into the cost of the loan for modification. They said per FHA regulations they can only finance it to XX/XX/. They aren't willing to talk or consider a lower payment. My payment is due XX/XX/ XXXX
Product: Money transfer, virtual currency, or money service

I am a consumer with Bofa online mobile banking the issues I am having are XXXX the new assistant I spoke with numerous reps and they say we will put it in feedback and I waited for the update to turn OFF XXXX FROM SETTINGS AND MY definition FOR IT IS SHE IS STILL IN THE APP BUT SHE IS TURNED OFF OR REMOVED FOR THE ACCOUNT AS A CONSUMER WHO NEVER LIKES TO FORCED WITH A SERVICE ON A 3 YEAR OLD PHONE THAT CAN NOT SUPPORT THAT SERVICE FROM MY experience FROM USING THE APP IS SLOW AND YOU ARE responsible FOR THE UPDATE AND FIXES AND MAKING OLDER DEVICES HAVE options TO TURN OFF FEATURE THAT CAN CRASH THE APP AND MAKE IT unresponsive TO USE WHILE ON THE GO AND I NEED A CLEAR explanation WHY YOU ARE NOT listening TO CONSUMERS ABOUT FIXING THE ISSUE THAT CONSUMERS ARE HAVING WITH THEIR OLDER DEVICES THAT STILL SUPPORT THE OS ON THEIR AND FROM MY RESEARCH FROM OLD APP WAS STABLE CPU ( Central Processing Unit ) WAS IN A STABLE STATE BEFORE XXXX WAS RELEASED AFTER A MOUTH SHE WAS RELEASED AND MY CPU WAS BAD AND I AM HAVING A UNSTABLE PHONE TO USE ONLINE BANKING I CALLED THE REP AND HE WAS ABLE TO REMOVE IT BUT SHE CAME BACK AND MY CPU WAS SO BAD I SAID NO MORE THIS HAS TO BE A UPDATE FOR OLDER PHONES TO BE ABLE TO TURN OFF NOT unenroll HER SHE WILL BE ON YOUR ACCOUNTS PAGE I WANT TO BE ABLE TO TURN HER OFF IN SETTINGS BUT SHE WILL BE IN THE APP BUT NOT TURNED ON WHICH MEANS NOT ON THE ACCOUNTS PAGE HAVE AN UPDATE AND GIVE A CLEAR EXPLANATION WHY YOU ARE REFUSING TO RELEASE A UPDATE FOR OLDER DEVICES THAT SUPPORT THE OS BUT NOT THE SUPPORT FOR THE NEWER PHONES HAVE BANK OF AMERICA FIX YOUR APP FOR OLDER DEVICES AND GIVE A CLEAR EXPLANATION OF WHY NOT RELEASING A UPDATE FOR OLDER DEVICE I GIVE XXXX OR BOFA APP 1-10 STARS FOR NOW UNTIL ITS FIXED.
Product: Credit card or prepaid card

I received a bill for items purchased on my Saks Fifth Avenue card in  XXXX  in   XXXX   XXXX   when I was in  XXXX , Vermont for an employment retreat. I called the number to dispute it and was told by a customer service agent that the company takes care of the rest.     I then started to receive collection calls. I called and disputed it again.     I still received collection calls so I disputed it by phone a third time.     In    XXXX   XXXX   , I was advised by email that I needed to make a police report in  XXXX  to dispute the charges. I advised them that I could n't file the report over the phone or online and because I live in CT and getting to  XXXX  takes about  2  hours so I could n't go immediately.  XXXX   XXXX  in  Saks ' Fraud  Department said I was lying and that police reports can be filed telephonically or online which is n't true.     I went on   XXXX   XXXX   XXXX   to the  XXXX  and tried to make a report and they told me they would n't take it because it had been too long since the incident. Then Saks decided that it was n't fraud, after they literally scanned and placed the signature from my fraud affidavit on the sales receipt. They are identical. Even if I had signed both they would n't be that identical. Besides, any evidence they had should have been handed over to me within 30 days of my first dispute.     I have since disputed the bill with  XXXX   XXXX , the  VP  and  Associate   General Counsel . I sent certified letters on   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   demanding proof that it was me who made these purchases at the  XXXX  store.     I have received no response. As stated in my letter, this is a violation of the Fair Credit Reporting Act.
Product: Mortgage

XXXX Mortgage inflated my Mortgage Principle balance of {$84000.00} to XXXX. XXXX sold my mortgage to Select Portfolio XXXX XXXX and stated my principle balance was {$130000.00} when the loan was sold. XXXX illegally inflated my principle balance by {$150000.00} dollars incurring fees and mortgage modification in house which was never approved by XXXX. I never received any final agreement from XXXX in XXXX. I received a Military assistance program for 36 months of a fixed rate of XXXX percent and a mortgage payment of {$490.00} I was a victim of the Mortgage crisis bubble of XXXX, XXXX was told by the Federal government when they received the " Bailout Money '' to restore all distress properties to a fix rate under the Home Affordability Program " HARP '' but XXXX instead choose to initiate an in house Loan Modification that was never finalized in XXXX. XXXX made money selling off my mortgage and made a profit of {$150.00} or greater. I have a copy of the Detailed Transaction History that shows no Modification made in XXXX through XXXX XXXX. XXXX added the last two transaction in XXXX XXXX. I want my Principle balance restored back to {$84000.00} which is item number 491 of the Detailed Transaction History
Product: Mortgage

My servicer left a blank envelope at my door with only the words confidential and an XXXX number to call. I called the XXXX # the same day I received this ambiguous notice. The rep advised me I was due for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my mortgage. I offered to make one full payment now for the following business day, with the entire balance of the arrears to be paid at the end of XX/XX/XXXX. The representative, and the supervisor that followed my conversation, both refused to take the payment because a demand letter had expired the day before. Instead, they are requiring the full arrears be paid now by secured funds ( XXXX XXXX or equivalent ). I specifically asked that if I had received the number and called yesterday would my payment have been accepted and I was told yes by both the agent and the supervisor. 
I advised the Supervisor that I was out of state tending to a family matter and the default notice they claim was sent was not received. Further, I called them immediately upon receipt of the door notice. Despite this, the supervisor and agent refused to take my payment and arrangement ( which I was willing to confirm both as payments by phone to secure the arrangement ). 
I am additionally concerned that my previous CFPB complaint regarding their practice of charging fees for payments and suppressing internet payment functionality may have adversely impacted their decision making process in this case.
Product: Checking or savings account

I have 3 returned check fees reflecting on my account. Also my direct deposit didnt post in my Navy Federal Credit Union checking account. This is unacceptable and sets me back on all of the bills I planned to take care of today.
Product: Vehicle loan or lease

Bought new car in XXXX First payment due in XXXX. Created account online. It keeps sending me to a closed Ally invest account that does not have the car loan on it. Last month XX/XX/XXXX they told me to make the payment by phone and pay an extra fee and the car would show up in my account in a few days. It is a month later and the car isn't in my account. Despite several phone calls and chats with Ally to resolve this, my car loan is still not in my account. They keep telling me to go set up another account with Ally Auto but there system won't let me. I get an error message with a phone number to call and it asks me to verify myself using a telephone number that isn't mine. Have gotten nowhere with Ally to resolve this and I am not paying extra fees to make phone payments every month because some bad online bank can't manage their accounts and processes.
Product: Mortgage

I have a HELOC account with Citizens ' bank. I do make interest payments monthly. I also make payments to the principal. Interest payment is an automated payment that is debited from my checking account with Citizens. 

Outstanding balance on the loan varies throughout the month. Interest due is calculated based on the daily average. But I am making principal payments multiple times a month. Due to these payments, the interest calculated by the bank is not the actual interest owed by me for the month. Other banks recalculate the actual interest applicable when payment is received and apply the remaining amount to principal payment. This was the procedure followed by XXXX XXXX and XXXX This is not being done and the bank is doing illegal practices by applying the entire amount to interest.
Product: Credit card or prepaid card

I have asked American Express to stop soliciting credit applications from me for XXXX years. American Express repeatedly solicits credit applications from me. I have put my information on opt-out with XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX with Amex  and XXXX CFPB. I have added all of my addresses multiple times, i have included all of my email addresses multiple times, and i have asked to have my businesses taken off of the american express solicitation list. American Express repeatedly answers these complaints with boiler plate language insinuating that i am upset because they will not approve me for their card. Although, i am only asking that i be removed from the mailing lists and have my addresses opted out of solicitations from the cards. i have spent several XXXX dollars repairing my credit and receiving advice on how to lower my interest payments, reduce my debt, and to better manage my monthly budget and my finances. Yet, American Express still continues to ignore my requests to be opted out and continues to send me solicitations. I have dozens of complaints about American Express in my CFPB dashboard and they continue to market to me. I wish to be removed from all mailings at all of my known mailing addresses including ; XXXX XXXX  XXXX XXXX, NY XXXX. XXXX XXXX   XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX
Product: Debt collection

I received many back to back calls, so I finally answered, they asked for me to confirm who I was, they had my name correct - but I would not confirm. I asked what the company was called - Torres Credit Services - but they would not tell me what they wanted until I confirmed who I was. After back and fourth hey hung up on me. 

I called back and got a different person, I asked her what company it was and what it was about, and what services they provide. She would not tell me until I confirmed who I was. I repetitively refused, and she refused to tell me anything. I asked for a manager, he also did the same. 

I read reviews of this bogus company - they have a real address in my state and a website, and people complained that Torres was reporting that they owed random amounts of money to the credit bureaus, that were not owed to nonexistent places. 

I am nervous that they have my information and will fraudulently report something to the credit bureaus.
Product: Vehicle loan or lease

Greetings, I spoke with customer service regarding missing payments on several occasions with regards to payments made in XX/XX/XXXX/XX/XX/XXXXprior to the extension due to a hardship. Therefore the rep advised that I would have to pay interest on the loan since the payment would be moved to the back end. However the additional payments made were taken after the extension was granted. When I inquired the rep advised that it would be credited to my account, which to date has not been done.
Product: Debt collection

I was constantly getting harassed on my cell phone and at my former job by this company. Not only would they continue to call after being told to stop, they would call from a different number. They have called me from at least XXXX different numbers and over 100 calls. I paid this just to stop the harassment not even knowing if the debt was mine or not. When I actually looked into my credit and asked for debt validation, all I get is my name and an amount owed, which I have no idea about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM DISPUTING MY ACCOUNT WITH XXXX FROM LAST 1 YEAR. THEY ARE REPORT WRONG DATA ON MY REPORT FOR XXXX XXXX XXXX ACCOUNT. 
DATE OF LAST PAYMENT IS WRONG. 
CLOSED DATE IS WRONG. 
THEY VIOLATED MY RIGHTS Delinquency First Reported XX/XX/2019, WHICH IS WRONG I PAID AS AGREED IN XX/XX/2019.
Product: Credit reporting or other personal consumer reports

Yes, I'm dealing with a false information from this bank. " Bread Financial. '' I reported fraud and they keep saying that's it's being rejected after their investigation because they said they were no supporting documents? Honestly, they never contacted me about any documents and what documents do i need? Am I supposed to know what to do? Can anyone who is reading this help me out? I'm heavily rely on the Consumer Financial Protection Bureau
Product: Debt collection

Citibank has called me 35+ times since XX/XX/21 ( I have all call logs ) My account at the start of the calls was past due {$170.00} for 14 days. A day or two after the initial contact from them, I tried to log into my online account. They had locked my online account, so i was forced to call them so they could coax me into making a " promise to pay ''. While on the phone with them, I informed them how many times they had called me and I only received a " I'm sorry, sir ''. I pressed the issue informing them of how ridiculous it was to receive on average 3 phone calls a day ( somedays they called me as much as 5 times in one day ). After doing a bit of reading, I found out that this interaction may be considered harassment and I wanted to file my complaint and await the next steps.
Product: Credit card or prepaid card

On or about XXXX XXXX, XXXX I noticed in my email account that all of my payments " thank you for payment '' and " payment confirmation '' emails back to XX/XX/XXXX, have been Removed ( without my notification ) to make it appear that I have not made these payments, which I definitely have made. I believe that this may be a retaliation tactic for my court case coming up this week against XXXX. I am seriously concerned of this attempt to financially do fraudulent damage to me. I did make many calls to the customer service this past week, for this account and was told that there is a problem resending my the removed emails. I want those emails resent to my email account. This is not an online account but only I get payment receipts confirmation emails. I did do a test small payment of {$10.00} on XXXX to check on the site. The removal of these payment receipt emails I Believe is intentional to harm me legally and financially, I am near XXXX yrs old, XXXX, indigent and have dangerous XXXX XXXX and this situation is causing me enormous duress which can literally XXXX XXXX
Product: Checking or savings account

I have multiple accounts with Wells Fargo. When the accounts were opened, we were told that a minimum balance of {$25000.00} in all accounts, combined, would eliminate any monthly service fees on all accounts. 

Since then, one of our accounts has been charged a {$12.00} monthly service charge on multiple occasions. I've called Wells Fargo and they have refunded the charges, with an apology for the inconvenience. After a few months, the charges appear again. I've called them at least 3 or 4 times in the past 5 years that we've had the accounts and they have always refunded the charges. 

I believe, without doubt, that Wells Fargo is engaging in a practice of charging fees on accounts that shouldn't be charged fees, according to agreements they have in place. I believe they are charging the fees and hoping consumers won't notice the fees and therefore, won't request a refund. I shouldn't have to request a refund for charges that repeatedly show on my account, without authorization. I meet the requirements that were set forth by Wells Fargo so they should honor their commitment to waive any monthly service charges.
Product: Debt collection

They are calling my family. I do not live with my family nor are they able to get me through them. I have asked them to contact me and stop harassing my sister and they wont stop
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing this two years ago, this is also a duplicate of of another address with additional numbers on the address. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$180.00}
Product: Debt collection

I have requested the following items from Portfolio Recovery 4 times in the past 6 months and all I have received is the billing statements which is not what I requested. 
XXXX. The Purchase Agreement that Portfolio Recovery has with the alleged original creditors. 
XXXX. The full contract agreement I allegedly signed with my full wet verifiable physical signature from said original creditors. 
XXXX. Documentation demonstrating how Portfolio Recovery acquired the debts, how much it was purchased for in a dollar amount by Portfolio Recovery, and how they accessed my personal information including emailing me when I never gave anyone my private email address. 
XXXX. The agreement and contract with Portfolio Recovery with my full wet verifiable physical signature stating that I owed a debt to their company and allegedly agreed to pay it. 
XXXX. The business license for Portfolio Recovery to collect on alleged debts in the state of Texas. 
XXXX. Copy of the chain of custody to collect the alleged debt from original creditors to Portfolio Recovery. 
None of these things were sent and they continued to repeatedly call me and they clearly can not verify any of these alleged debts and I am requesting the alleged debts, along with my personal information, be removed from their systems and erased from my credit report. 
All of these alleged debts have been reported as closed and charged-off accounts and according to XXXX XXXX XXXX XXXX XXXX the FDCPA they are not to be put on my credit reports and this company has failed repeatedly to validate the alleged debts as well. I read them all through the CFPB Database of Agreements and not one of the credit agreements states anything about the alleged debts being sold to a third party to be collected in my name and making me responsible for them. Portfolio Recovery pays XXXX cents on the dollar for these debts as well and demands consumers pay the full amount that was already charged off by the original creditors and reported on their taxes for tax breaks. 
I appreciate your help in this matter. Thank You.