23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I bought a XXXX phone on XXXX XXXX, XXXX with a down payment of {$51.00} and returned it on XXXX XXXX, XXXX becasue it did not work as promised. XXXX charged my XXXX card {$5.00} for the data usage for two days. XXXX also charged my card {$50.00} for a " restocking fee. '' I disputed the restocking fee with both XXXX card and in an email to XXXX XXXX at XXXX. I have been contacted by XXXX XXXX of XXXX, who emailed me on XXXX XXXX that my account with XXXX is now closed with a XXXX balance. She said she sent me a prepaid card for the refund of {$50.00}, which I 've not received. On XXXX XXXX, XXXX I emailed XXXX back to ask why she could n't just apply the {$50.00} refund back to my XXXX card. I got an email from XXXX XXXX that said she would be out of the office until XXXX XXXX, and I should communicate with XXXX at XXXX. I forwarded my latest message to XXXX and received an email saying he will be out of the office untilXXXX. While the emails between me and XXXX went back and forth, XXXX has sent me bills for {$51.00}, {$100.00}, and a " final bill '' for {$76.00}. 
Yesterday i received a notice from a collection agency, Convergent. regarding the {$76.00}. It is not a legitimate debt. My relationship with XXXX was for less than 48 hours. The phone was returned. There was never a contract. On request, I can mail copies of bills, emails etc.
Product: Mortgage

Dear Nationstar c/o CFPB Nationstar Customer Relations Department c/o Mr. Cooper XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX XXXX ( d/b/a ) Mr. Cooper. Mortgage NumberXXXX  I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made onXX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount. 
.. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX attorney ; the Chapter XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX
Product: Checking or savings account

OnXX/XX/ I opened an online IRA certificate of deposit ( 12 month with an APY 2.50 % ) for {$1.00} with Capital One bank and completed an IRA deposit form. I mailed my XXXX disbursement check from XXXX XXXX for {$240000.00} instructing Capital One bank to deposit this check into the new CD as indicated on the IRA form that was attached. 

On XX/XX/XXXX, Capital One received the check and to my dismay they deposited the funds in to a regular savings account at 1 % interest without my knowledge. Even though Capital One had all of my contact information they neglected to advise me of any problems. Also, I never even received any acknowledgment that they even processed my funds - I had to call them. 
On XX/XX/XXXX I contacted their call center and found out that a regular IRA savings was opened. Apparently, they could not add the check to the account that I had opened. I indicated that an adjustment of accrued interest was due and had to escalate the problem to a Manager - XXXX XXXX explaining that I should be compensated for the loss of interest ( 1 % vs 2.50 % ). Several days later, XXXX explained that they can only credit 8 days from XX/XX/XXXX when the funds became available ( {$79.00} )? I believe that I should have been compensated for the loss of interest from the day of deposit which was XX/XX/XXXX.
Product: Credit card or prepaid card

I transfer some balance to my credit card and even though I paid off the balance off, they kept charging me balance transfer fees. Besides this, I disputed some charges back in XX/XX/2019, they asked me for police reports and extra paperwork. Two months ago I contacted TD bank to inquire about the dispute, they asked me for some more paperwork, I called today t inquire again, they said my time to dispute these charges is over!
Product: Checking or savings account

I made a electronic rent payment as I have for a year. Ive done this for a year without problem but unusual acts on my account like online account would show funds paid then change when items were paid, including date, account balance, etc. I have overdraft protection so even if I didnt have money in account item would be paid. Also I would be notified by text that hasnt happened. This has been a common problem with someone inside bank clearly manipulating account at Huntington Bank. I want a complete audit and records of who has accessed to my account.
Product: Debt collection

Are You Serious!!!!! 
This company has engaged in abusive, deceptive, and unfair practices that are prohibited by the FDCPA. They've reported an account without my agreement or signing of any related agreement. A legal contract necessitates the consent of both parties, which I did not provide. Additionally, they did not follow the proper five-step validation procedure, constituting unfair practices. According to the FDCPA, I am entitled to {$1000.00} per violation, and their actions clearly infringed upon my rights!
Product: Debt collection

My name its XXXX XXXX this company whit the address XXXX XXXX XXXX have my record on collection I send a identity stolen report, i they cant help me I really need to someone help me this its not right they tell me the gon na help me and never get call for not body this its not my please cant some assist me whit this matter, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

upon checking my credit report on XX/XX/2018, I found that I had an open collections account for an unpaid debt for a XXXX XXXX Credit card. I decided to give the Collection agency provided a call in order to settle the debt. My talk with the customer service rep was pretty simple. I had agreed to pay a lesser amount of the debt owed in order to get the derogatory remark removed from my account. The debt owed was {$400.00}, we agreed on the amount of {$260.00} I believe. After paying the amount agreed upon, I received a letter in the mail confirming that the account was paid off, but I did not receive documentation that the derogatory accounts would be removed from my credit report. I gave Portfolio recovery a call inquiring about the letter and asking if the debt would be deleted. I was informed that, that would be an issue that I would have to take up with the reporting credit bureaus and that it was out of their hands. I decided to send letters to all three bureaus and also Portfolio recovery. Portfolio recovery replied via mail explaining that they could not do anything to help the situation. I have yet to receive a reply from the three bureaus.
Product: Checking or savings account

On XX/XX/2021 I was notified by email that my savings and spending account was being closed they did not disclose a reason. I use my chime account for my direct deposit and I also gamble legally through XXXX, XXXX XXXX, and XXXX XXXX. I withdrawal from the betting apps into my XXXX  then from XXXX directly to my Chime Banking account. I am not sure if that is why my account got closed but I have over {$9000.00} in my chime account that i do not have access to. I am writing this complaint so I can get the money that is rightfully mine back in my possession. On XX/XX/2021 I tried to call Chime support but could not talk to a live person. There is no function for that. I also called the XXXX customer service number and they transferred me right to chime. I also emailed chime and I am only getting automated responses back. I am attaching all of my deposits from XXXX where it shows I got the money legally and legitimately through online gambling.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank, a large national bank contacted a primary checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account holder. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the XXXX. The bank then knowingly reported to all credit reporting agencies the balance of the XXXX tied to a known and acknowledged identity theft matter for four consecutive months ( XXXX XXXX ). The account was a joint account with the XXXX-aged account holder and XXXX adult children. The bank reported the reserve line of credit as past due in XX/XX/2021, which severely negatively impacted all four joint account owners. Upon contacting US Bank, contradicting stories were presented on when the fraudulent activity was flagged. One US Bank representative claimed the fraud was flagged in the US Bank system on XX/XX/2021. Another US Bank representative correctly stated the fraud was flagged on XX/XX/2021. If it was truly flagged on XX/XX/2021, US Bank violated the FCRA by reporting a known identity theft related account information to credit reporting agencies. If it was flagged on XX/XX/2021, they violated the FCRA by reporting a known identity theft related primary checking account as fraud and not the related reserve line. The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). " Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect
Product: Student loan

MOHELA recently transitioned my account to the new XXXX XXXX XXXX platform. This transition resulted in a new account number and a new payment address. I am employed by the XXXX XXXX XXXX XXXX XXXX and they are making bi-weekly payments of {$200.00} on my behalf directly to MOHELA. One of these payments was sent on or about XXXX XX/XX/year> and showing on my account before the transition, but is now not being accounted for once the transition has taken place. Another payment was sent on or about XXXX XX/XX/year> and this also is no where to be found on my account. Due to my account showing a payment due and neither of these payments as having been received, I had no choice but to pay the full amount due of {$430.00} on XXXX XX/XX/year> instead of the correct amount due of {$31.00} I would like to know where this missing {$400.00} is and how my account can be fully transitioned to the new platform but none of my payment history is there.
Product: Debt collection

Diversified Adj Services Subject : Unauthorized Access and Collection Account on My Consumer Report Dear Diversified Adj Services, I am writing to bring to your attention a matter of serious concern regarding the access and reporting of my consumer information by your agency. It has come to my knowledge that Diversified Adj Services has gained access to my consumer report without obtaining my written permission, which contravenes the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 604. Furthermore, a collection account has been added to my consumer file without my authorization, violating my rights as per Section 623 of the FCRA, which stipulates the responsibilities of furnishers of information to consumer reporting agencies. This unauthorized access and addition of a collection account constitute a major breach of my privacy and raise serious concerns about potential identity fraud, as outlined in Section 621 ( a ) ( 2 ) of the FCRA, which emphasizes the importance of protecting consumer privacy. In addition to federal law, I want to highlight relevant sections of South Carolina state law. Pursuant to South Carolina Code of Laws Section 37-5-108, it is unlawful to engage in unfair or deceptive acts or practices in the collection of debts, including any conduct that may jeopardize the privacy or welfare of a consumer. Furthermore, under South Carolina Code of Laws Section 37-5-104, creditors and debt collectors are required to provide accurate and complete information to consumer reporting agencies, ensuring the integrity of consumer credit reports. I would like to emphasize that, even in the case of a permissible purpose, consumer consent is a necessity, as per Section 604 ( a ) ( 3 ) ( F ) ( i ) ( I ) of the FCRA, which I have not provided in this instance. I firmly assert that this collection account is unverifiable due to the lack of my written consent for its presence on my credit report. I request that, within 30 days of receiving this letter, Diversified Adj Services promptly removes this collection account from my consumer file and expunges all of my personal data from your database, as mandated by Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, I expect Diversified Adj Services to communicate appropriately with the credit bureaus to ensure the deletion of this item from my credit report, as per Section 611 ( a ) ( 2 ) of the FCRA. Following the resolution of this matter, I request that all third-party communication and furnishing of my information cease immediately, in accordance with Section 604 ( a ) ( 3 ) ( F ) ( i ) ( II ) of the FCRA. Failure to comply with these requests within the stipulated 30-day timeframe will be considered willful noncompliance and may result in civil accountability for Diversified adj services, as provided under Section 616 of the FCRA. Done in good faith.
Product: Credit card

I have an Amex platinum ( {$22000.00} credit limit and have had since XXXX ), Amex everyday card ( $ XXXX limit ) and an Amex Blue credit card ( {$6600.00} credit limit ) with American Express. I received an email that the platinum card annual fee is increasing from {$250.00} to {$350.00}. On XX/XX/XXXX I called American Express to discuss the benefits of my cards and their annual fee. The I told the original customer service representative that I am unable to use the benefits of the platinum card and can not justify paying the annual fee which is now increasing to {$350.00} when I renew my card in XX/XX/XXXX. I asked about increasing the credit limit of the other two AmEx cards & the representative advised I could transfer up to {$20000.00} of the platinum credit limit to the other two cards. I told her I wanted to transfer the entire {$20000.00} credit limit to my Blue Amex card ( no annual fee ) and cancel the platinum card. She put me on hold and when she came back on the line she advised she was transferring me to an Account Manager ( name unknown ) who pressured me to keep the platinum card. I spoke to this person for over XXXX minutes and repeated told her the same thing I told the first CSR, that I can not justify paying the platinum annual fee when I am not or can not use the benefits. The account manager ended up canceling my card, when I asked about transferring of the credit limit to the Blue card she said she could not do it because she already canceled the card. I asked to speak to a supervisor and was connected to a XXXX who advised the original CSR did not transfer the credit limit and did not inform the Account Manager that I wanted to transfer the maximum credit limit to my Blue card before canceling the card. XXXX advised her department could not fix Amex 's mistake and placed me on hold while she connected with the original customer service rep 's dept. I spoke to to see if they can fix their mistake. While on hold, XXXX hung up on me. I called back and spoke with a XXXX who advised there is nothing they could do at this time, they would need to review the calls and someone will give me a call back within XXXX hours. I was given a reference number of XXXX XXXXXXXX. I told the original CSR I wanted to transfer the maximum credit limit to my Blue card and to cancel my card, my request was not only not granted but had to speak with an Account Manager who pressured me to keep the card. It's Amex 's responsibility to fix their mistake. I have excellent credit and by Amex not transferring my credit limit of {$20000.00} it will have a negative impact on my credit score. My credit score will impact many things such as interest rate on loans to make decisions on whether to offer you a mortgage, credit card, auto loan, and other credit products and insurance rates.
Product: Debt collection

I received a call from a debt collector on my cell phone around mid XXXX I know it was before XX/XX/XXXX. I dont remember his name, but he was very rude and stated that I did owe the debt. I didnt even know who he was he just said he was calling from XXXX  XXXX XXXX XXXX I told him that wasnt my debt. He said he will send me a letter in the mail. I received the letter on XX/XX/2023 and I wrote them a validation letter. I wanted them to include verification that the debt was mine. I requested a verification of the debt or a copy of a judgment against the me and a written statement by mail upon my written request within a 30 day period, complete payment history, agreement that has my signature, letter of sale or assignment from the original creditor to the debt collector, and intimate knowledge of the debt by the debt collection agency. I included the letter below. I received and email XX/XX/2023 that the debt collector was letting XXXX XXXX XXXX know that I was disputing the debt and they will let me know when they have further information. 
Okay, here it is today, Monday, XX/XX/2023, I receive a letter dated XX/XX/2023 just stating the dispute was received on my account and it was investigated and verified that the alleged debt was mine. I did not receive anything I ask for in my emailed letter that. Also they did not respond to me within the 30-day period. They did not send me any proof or verifications the alleged debt was mine. Also wasnt I suppose to receive the letter first before I received a debt collection call? I have provided the letter I have received today.
Product: Vehicle loan or lease

Contacted XX/XX/XXXX requesting release of lien. Received congratulations letter stating my account was paid off but no release of lien letter. Recontacted XX/XX/XXXX requesting actual release of lien form and stated that they have already sent it
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. 

I have inaccurate reporting on my credit reports, I asked credit bureau to verify invalid information. This a have disputed several time with XXXX and Experian. Please delete hard inquires, collection of billing errors past due collection amount. Charge offs. There was was data breach my information was share with unknown companies. The credit bureau is not following Fair Act Credit Reporting There several violations under code. 
15 U.S. code 1681b 15 Us code 16181 c-1 15 us code 1681 c2 15 us code 1666 Account ; XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several hard inquiries that are in my credit that I did not authorize. I called transunion and sent letters to get it deleted and still nothing happened.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a business banking account with XXXX in XX/XX/2020. I received a SBA loan and was approved. They asked me to see a copy of my original loan application from a 3rd party. I provided my signed disclosures for the loan as it was approved they returned my funds back to SBA without my consent. When I reached out to the bank I have not received a response. They discriminated against me. I told them I have never heard received a call from XXXX bank until my funds were deposited. They told me they thought it was fraud. When I provided my documents they still wired my money back without a explanation. I informed them my information has been confirmed through SBA. I am not requesting any products from them why are they asking me for my taxes and what do they intend to do with it. No response.
Product: Credit card

I noticed on my credit report on XX/XX/XXXX that there was an attempt to open a chase credit card in my name, which was fraud, I received the chase credit email at XXXX and I called them at XXXX to report the fraudulent account activity. They said they will stop the application process and I did ask why did they not call me before hitting my credit with this inquiry, they said that eventually something seemed fraudulent. It seem like I caught them before chase did. Chase said that the application is closed and that they will send me information in the mail along with facts about how to protect myself from fraudulent activity. My credit score decreased by XXXX  point and which I disputed this inquiry which XXXX is removing it, but I want my XXXX point back. There has been a freeze place on my credit report.