23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX claiming I owe {$36.00} to XXXX XXXX XXXX company. On XX/XX/XXXX I called the debt collector and made them aware that I never signed to renew a renters insurance. That in XXXX of the prior year I paid in full for a year insurance policy and it expired the end of XXXX, without me signing up for a new policy. The rep from XXXX told me I had made a payment of around {$140.00} of XXXX of this year. To make an Argument that I renewed. I made It clear I didnt do any such thing. And requested prove of debt. 
On XXXX the XXXX of XXXX I called and spoke with an XXXX agent @ XXXX  XXXX XXXX who managed this insurance for XXXX XXXX and let her know about the issue. She said my card that was on file was automatically billed in XXXX and the bank declined it. I made it clear that I did not want to reinstall as she wanted me to that I did not renew. 
On XX/XX/XXXX I received from XXXX what was supposed to be prove of debt. What I received was a bill for {$36.00}. I call CCS credit collection at around XXXX XXXX to try to explain that I need prove of debt. That I can write a bill right now and send it to whoever I want it doesnt make it a debt owed. I asked for papers showing consent to automatically renew my policy or papers showing that signed to renew my policy.which would prove debt. She argued with me stating the bill is all the prove they need to continue collections. Then hung up on me. 
I would like to be clear that I never even knew that XXXX XXXX  billed my card in XXXX until I received my collection notice!!! 
A collection shows up on my credit report. To be sent to collections without prior notice is immoral. To continue to be collected on without proving any prove other than XXXXXXXX XXXX  says I owe it is illegal as far as I know. 
What XXXX  and XXXX XXXX are doing in my opinion are forcing people to pay debts without prove of debt to save their credit. 
This {$36.00} will be probably be paid by me to save further damage to my report. And will probably cause massive time and effort to remove what may have already been placed on my credit. No matter the amount of debt a person has the right to see actual prove of debt before being taken to a collection agency and after being taken to one it is no longer that they deserve it, it is the law to proved prove of debt before forcing people to pay it, or ruining their credit. 

XXXX XXXX phone XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This organization has reported this account as delinquent.. This account is active and has a positive balance and has been paid frequently! Reporting is as such should break FCA ... 24?!? Dollars Really!!! And I am a Veteran! Really sad our country have come to this!
Product: Credit reporting or other personal consumer reports

Over 90 days ago I sent letters to TransUnion, XXXX, XXXX asking for proof of verification for the accounts that have incorrect reporting and balances. No documents have been sent to me and the information remains verified. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been going in circles for almost 2 weeks with trying to get services with atnt uverse. I have been transferred over and over and no one can help me. I was told to call the ERC Collections and once I called I told them I need proof that the balance of XXXX is removed and not owed. They say they cant provide a letter so now atnt cant help me even though they were the ones who sent me there. All I am trying to do is get services. I have checked all credit reports and it 's been removed. ERC has now all of a sudden decided to make a new bogus account and today they said that XXXX should already have on file that I do not owe anything but once again I called today and XXXX cant help me so I can get services. I have informed that I have a police report that it 's not my charge, but for some reason, thats still not good enough. What other evidence do I really need to prove? They say all calls are recorded and monitored, so in that case, ERC needs to replay their recordings and hear how I have been treated. Also after being on hold for 10 mins becasue the agent said he will ask his boss can I get a letter stating I do not owe, he then came back on the phone and said no, and that he has another account number for me, so now when I use to log in ERC page before yesterday, I got a message that says the account has been stopped, now when I login it leads me to a page that wants me to start a dispute with them. This is very illegal there is no way I had a new account in 10 mins.
Product: Mortgage

Our mortgage company is not paying our homeowners insurance from our escrow account. This is the second time this is happened. Last year when we discovered the problem, the mortgage company insisted that the error was corrected and this would not happen again. They paid our XXXX insurance & now this year our homeowners insurance contacted us to say they have not received payment again. I checked online with the mortgage company and they show that the borrower is responsible for the insurance which is the same error as last year. They tried to force us into taking their homeowners insurance because they were showing a lapse in coverage. Not sure what to do to correct this repeated problem.
Product: Mortgage

I signed up with Nationwide Biweekly Administration ( NBA ) to have biweekly payments drafted from my account every month to help " minimize my interest payments '' for my mortgage loan. **This message is NOT intended to stop the CFPB. I received a very unprofessional email from the company president stating that the company was in danger of closing and pleading customers to stop the CFPB from shutting them down. I called my mortgage company to see if NBA was indeed making biweekly payments on my behalf. They were not. They were holding my biweekly payments until they received the full payment amount and then sending it to my mortgage lender. So, basically, I was paying NBA a processing fee for nothing. Since the payments were not made biweekly like the company advertised, there were no additional savings to me. More money was coming out of my account than necessary. Now, the company will not answer customer phone calls or emails. I 've tried multiple times to contact NBA to no avail. The company took a payment out of my account XX/XX/XXXX and I have no way of knowing where that money is. I need answers, but obviously can not get them from NBA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake Financial Company has deceived me with an auto loan that was incorrect, although I have paid it for two years, I halted my payments because the social security number they have entered was someone else 's so when I learned about it, I confronted them and they have promise to fix all the error in my loan account. but it turned out that they have neglected it, please help me because these company destroyed my credit for the wrong reasons.
Product: Credit card or prepaid card

I have several cards that have been reported stolen and used by pay by phone debits I haven't authorized XXXX nor credit karma and XXXX.to my refunds they never sent me a check either. This dates back to the last two years. They informed me I would be receiving my account funds immediately then said I had to go to the merchant for verification and never received anything. Totaling over XXXX. I made several complaints to the companies I also filled out a form with the police. I think it's a fraud scam being ran.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes on XX/XX/XXXX, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX   XXXX not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX unauthorized
Product: Credit reporting or other personal consumer reports

I submitted a dispute to XXXX about a credit account showing on my credit report and a collection. The credit card is from XXXX XXXX  and the collections account in question is XXXX XXXX, states I had a XXXX account, I havent had an account with XXXX in 11 years . This account and collection does not belong to me. And Ive disputed the XXXX XXXX XXXX as fraud since it first showed up on my credit report. These two items are harming my financial future and present. I could not obtain a new apartment due to them. They need to reinvestigate and remove these items with prejudice
Product: Credit reporting or other personal consumer reports

recently i looked at copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain credit-bit is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, am verifying that I XXXX XXXX XXXX XXXX XXXX mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit card or prepaid card

I had a XXXX XXXX card for over a year. And have had nothing but issues with this company. The first time I went on to make a payment it was fine. Second time, my payment just disappeared. I had a screenshot that said I scheduled the payment and the amount was pulled from my banking account. But nothing showed up on the XXXX account for payment so they charged me a late fee. I called and got it sorted but it took almost 3 hours. Then! The next time I went to make a payment I had done a in store return so it shouldve showed up as a credit on the account. So when the refund posted I went on at the end of the month and scheduled the payment ( the remaining balance ) for the due date. Which was like the XXXX of the following month. So I thought I was done. That amount was pulled from my checking account and I never got a call or email or letter from XXXX saying I had a balance on my account. And I knew it was at XXXX because I paid it. Well 3 months later I get a text saying my account was being sent to collections in 3 days if I didnt call and make a payment. So I called and they told me that I hadnt made the last payment on time so the account was charged a late fee. And because I never paid that late fee they charged another. And so on like that for 3 months. And on top of that there was like 3-4 misc charges for different amounts on my card. When I called to dispute it because I had scheduled that first payment well in advance so there shouldnt have been any late fees. The rude guy on the phone told me that even though I scheduled the payment in advance, since the due date was on a weekend it didnt post until the following Monday and thats how a late fee was accrued. Which is ridiculous. We argued. And the guy on the phone said if I paid {$35.00} late fee he would wave the rest and it wouldnt be sent to collection or be reported to credit bureau and affect my credit score. Well guess what! Few weeks later a get an alert that there was a ding to my credit because of missed or late payments. It affected it by like 40 points. So Im reporting XXXX credit card for charging me wrongly, lying and for the fact its illegal for companies to charge late fees to people if dues dates fall on non business days
Product: Student loan

Attached you will find a brief history of my complaint and correspondence with several government officials. I filed a complaint with CFPB in XXXX and it has been since closed without resolve. The complaint is attached. I was swindled by Sallie Mae and Navient regarding XXXX. I spoke with them about eligibility for XXXX in XXXX and they have conveniently notated that we spoke " several times throughout XXXX regarding benefit incentives that were or were not available on her consolidation loan '' but did not provide me with accurate information to consolidate using the proper loan for eligibility. They told me to simply continue paying the loans and as we approach XXXX, there would be additional information. When I applied for XXXX in XXXX, I was denied and told that I'd been in the wrong loan program, that I would have to reconsolidate and pay an additional XXXX payments! DEVASTATING! I've reached out to CFPB ( including XXXX XXXX XXXX, Department of Education, Navient, NC Attorney General XXXX XXXX, NC XXXX XXXX XXXX, former NC XXXX Governor XXXX XXXX, Congresswoman XXXX XXXX, and multiple advocacy groups. The strongest consumer protection agency has, to this point, chosen not to protect me or the rest of the borrowers preyed upon by government-contracted lenders. The public servants who are supposed to hear, serve, and advocate, continue to overlook the cries of fellow public servants who were promised loan forgiveness. I am desperate for the new administration to receive this complaint and, in cooperation with the thousands of like complaints, move to forgive these debts. This has truly been government-organized racketeering. My initial loans were {$55000.00}. Since beginning my repayment plan in XXXX, my current balance remains {$53000.00}. When and where is that ethical?
Product: Credit reporting

Trans Union is blocking my credit report, i have contacted them repeatedly and they refuse to fix that, all they do is transfer me to another representative. i have been calling for over more than a month, so I they 've had plenty of time to contact me. No matter how many times I call they do the same.
Product: Checking or savings account

Basically my uncle defraud my account because he was XXXX me an my grandfather retired from military XXXX XXXX an left me his life savings for being an victim to my uncle when my mother died the money wasn't pose be taken out when I was XXXX yrs old an my uncle stolen the money and the bank close an never given me my money when I got XXXX yrs old told me I would have make police report if I want my money I have to get attorney am that I will get some of my money which was two CD I thought I was pose get what my grandfather worked hard for services this country for they allowed XXXX to be taken out then change my name while I was an minor to XXXX while I was an XXXX XXXX XXXX left me money for being my uncle XXXX victim my uncle nasty am sick I'm asked for my money back ASAP they change the name to PNC it was old national city bank I sent my school records and mother death certificate because I wanted the government yo see how he defraud the system an the money was never pose be given to anybody but me until I got XXXX yrs old and XXXX XXXX XXXX stolen it I want justice for my grandfather XXXX XXXX who protected our Nation this is not the law this is not justice this is not Right I will get they money back from PNC they want get away from this hateful defraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to this company several of times over the past XXXX  years in regards to this inaccurate item, even sent letters demanding proof and to no avail they failed to respond, even after the deadline. This inaccurate item has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Due to this inaccurate and old item I havent been able to find decent work to take care of my household and other expenses. I am seeking legal action towards Skopos Financial for XXXX XXXX XXXX XXXX  and XXXX and interfering with me able to take care of my family, due to lack of work because of this inaccurate item.
Product: Checking or savings account

I had applied for Balance Transfer with my XXXX  card ( XXXX XXXX ) of {$1600.00} in XX/XX/XXXX. I had given below details on my request. I gave Debit Card number, and didnt realized that we have to give credit card number only and cant give debit card number. 
Citi Debit Card Number : XXXX XXXX XXXX XXXX CITI DEBIT  CARD account I waited for some time for balance transfer to show up in my Citibank checking account, but when I didnt received, I started calling XXXX XXXX and they asked me reach out to Citi bank. I reached out to Citi Bank on chat and call, but didnt help. I told Citi representative, how I can share evidence shared by XXXX XXXX. They asked me to send mail and hence I am sending this mail with evidence After talking to XXXX rep, He told me that we should not put debit card number in balance transfer, may be that is leading to this break, but I was not aware of that at that time. XXXX XXXX is saying that this check has been deposited in Citibank, and hence they cant cancel this transaction from their side. 
I have attached communication with XXXX XXXX and evidence they have shared on this. 

I tried escalating this in Citi customer call many times, but with no help. Then someone ask me to send documents to mail, which I did on XX/XX/XXXX. I have attached that communication as well. Then someone asked me to leave feedback on website which goes to special team and they will reach out to me, but no one from Citi have reached out to me yet. 

Can you please look for this check deposit and find why its not yet deposited in my account? I have closed my Citibank recently. Can you please track this transaction and send me this money or check please?
Product: Bank account or service

XXXX XXXX XXXX uses Certegy Check Services, " Certegy '', to provide a recommendation to process a check for deposit. Every month, for over 12 months, I have written and deposited a {$100.00} check into my sister 's XXXX account via remote deposit. This month, due to a computer algorithm that no one understands, Certegy recommended to decline my check for deposit, twice. Upon calling Certegy ( call reference # XXXX ), and providing approval as the payee, the company has no way to override a computer decision. There are more than enough significant funds available in my account, and I 've written the check and given my approval for deposit, yet Certegy is allowed to reject transactions without manual override. As a payee, I feel that Certegy has no legal right to reject a transaction against my account that I explicitly approve and have sufficient funds for.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding due to the pandemic that one is supposed to get their credit reports once a week free till XXXX, 2022. 

I tried to get my credit report from Experian and was not able to get it. They were trying to get me to purchase their credit services for " {$24.00} a month. I do not want their over-priced service. 

`I was able to get my credit score but I never received my credit report. 

I tried to get my credit report, earlier from XXXX They wanted me to send them documents.
Product: Credit reporting or other personal consumer reports

Equifax closed CFPB complaint number XXXX without providing documented proof of investigation.
Product: Credit reporting or other personal consumer reports

There are 5 hard inquiries on my credit report that I did not authorize or consent for. The Fair Credit Reporting Act clearly states that the only permissible purpose for pulling a person 's credit report is for : 1 ) a firm offer of credit 2 ) insurance 3 ) an application for employment, or 4 ) a court order The items listed above are not related to one of the allowable purpose, as it have been reiterated from The Fair Credit Reporting Act.