23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I turned XXXX in XX/XX/XXXX. In XX/XX/XXXX I started attending college. In XX/XX/XXXX, I started getting called from this debt collection agency. They said there was a tax return filed in my name in XXXX for over {$8000.00}. In XXXX I was only XXXX years old. I've called the debt collection company and tried to dispute it. They stated they could dispute the interest accumulated over the years ; however, I would still have to pay {$8000.00}. Currently, they have given me a 90 day window, where they would not request payment. I believe my father XXXX have obtained my social security survivor benefits as a result of my mother 's death in XXXX. As a result, his guardianship was revoked around the years XXXX and given to my elder brother. I requested a credit report online, however, there were some issues, so I had to submit it via paper on XX/XX/XXXX. I created a social security account to try and get information about my survivor benefits, though have made little progress so far. So, I will have to contact social security about my survivor benefits.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for unlawfully refusing to provide me with my credit report under the Fair Credit Reporting Act ( FCRA ) which violates 15 U.S.C. 1681g unless I provide my SSN XXXX  and a copy of the very address they sent a rather deceptive letter trying to gather information instead of supplying me my credit report after I demanded a copy of my report via the CFPB portal. ( See attached ) I didnt provide any information, so Im very curious as to what your company is referring to? 
XXXX. What documents are you referring to? 
XXXX. What was illegible? 
Furthermore, any information that you dont have or doesnt match is NOT MY RESPONSIBILITY. Im not doing your job for you. 
In addition to violating the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), Equifaxs demand for my Social Security number violates privacy principles outlined in The Privacy Act of 1974 ( 5 U.S.C. 552a ), which establishes that individuals can not be forced to provide a Social Security number as a condition for receiving benefits or services unless required by law. Equifax has no legal basis for conditioning access to my credit report on my providing my Social Security number. 
Regarding Category XXXX Current Address, I find it absolutely idiotic that you sent a document stating you wont give me a copy of my consumer credit report without verifying the exact address you sent the document to. 
Moreover if this interaction isnt enough " verification '', use my XXXX report. 
15 U.S.C. 1681g says upon request your company, a consumer reporting agency, shall clearly and accurately disclose what they have on file to the consumer. 
Your company is to immediately furnish a pdf copy of my consumer credit report to the email associated with my profile or directly to this portal, any further failure to do so and I will ask that the CFPB investigate Equifaxs refusal to comply with the law and impose fines and penalties under 15 U.S.C.1681n for will non-compliance, and any other damages deemed appropriate by the CFPB XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2020 - I accidently sent money to the wrong person in the amount of {$100.00}. I reached out to the individual and she refused to refund my money. So, I contacted Cash App to help me resolve the issue and they refused as well. I need my money refunded. A financial company that deals with transferring money should have an adequate process to help their customers in the event of a mistake. The fact that their only response is there's nothing we can do, is unacceptable.
Product: Debt collection

XXXX I received a phone call from a XXXX number but did not leave a message I did not answer it because I don't know that number today I got a phone call from a friend of mine saying that this company was calling them looking for me if it's that important and you need to talk to me leave a message on my phone which they did not do you don't call someone else that's not how that works and they also called my friend the same day that they called me on Thursday which was XX/XX/2023 they called me at before XXXX in the morning I do not know what time they called her.
Product: Payday loan, title loan, personal loan, or advance loan

To : Barclays Credit Dispute - XXXX ( on-line XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX provided by the collection department not correct Fr : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Acct # - XXXX XXXX XXXX To Whom it may concern, I am writing to dispute and inform Barclays of the facts as it pertains to the aforementioned account. This account was open ed for an XXXX purchase and I was led to believe this was for an installment plan. Somewhere along the line a credit card was sent time to my address. This was unusual as I never got any account statements and called a few times regarding this. I also though it was an installment type of account, not revolving credit. On XX/XX/XXXX, because I wasnt receiving any statements and didnt want any late payments, I submitted a paid in full transaction {$1000.00} to close the account. About two months later, I received a notice for a balance due. I assumed it was referencing a prior period before my payment in full. After a 2nd statement, I called to look into this matter. There was a transaction for {$6.00} between XX/XX/XXXX and XX/XX/XXXX statement. My bill at the time was XXXX larger that the transaction and asked for some grace and I thought I closed the account and didnt realize there was 1 transaction. I also wasnt getting regular monthly statements. Over a few months the bill continued to grow and I continued to call. The bill became {$150.00}. XXXX times the original bill. 
Not getting anywhere, I agreed to pay the balance in exchange for two conditions, my account to be closed with a note closed at the customers request and not to show any past 30-60-90 due on my credit. I believed this was in XXXX XX/XX/XXXX. This was acknowledged by the service rep and I asked to make noted on my account.. Final Payment was sent and records show XX/XX/XXXX was when Barclays recognized the payment. 
My current credit doesnt reflect this and I have made several attempts through XXXX XXXX XXXX correct. Each time I have submitted to have this fixed, the investigation is found the information to be accurate. 
I have been charged lates fees in excess of the balance. XXXX XXXX suggested I file a complaint to CFPB as if the lates feed are exuberant, Barclays should refund you the money and clear your credit. When I called last, the service rep in the collection department, provided me with the amounts and dates from your System as well as the address to send a written complaint. I noticed they are different than what is on line and different that the zip code extension. I had asked her to send the statements that she referenced from the XX/XX/XXXX closing date until the account was closed, but never received anything in the mail. My request at this time is to be refunded the amount of extra late fees and correct my credit to reflect the account closed at request of the customer and no 30-60-90 day late. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi, so my XXXX XXXX was used to purchase various XXXX  and XXXX  instore purchases. I Do NOT buy this so much. They are ripping me off.
Product: Mortgage

Re : Letter of Dispute and Error Notice Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX I received a Notice of Intent to Accelerate : I am disputing this notice in its entirety. Some of the notice is in XXXX which dont understand XXXX, which erroneously says we are in default for the months XXXX and XX/XX/XXXX. We are also mortgage evaluations sent while on disaster programs. 

Please be aware, that on about XX/XX/XXXX, I contacted Bank of America regarding the Federal Disaster Relief Program Due to Fires in XXXX  CA. The Representative verified my home was located in the Designated Area and made me aware we qualified for a 3 month Payment Holiday. I was informed that I could skip 3 payments and the 3 payments would be placed on the back of the Loan. with no penalties or Late Charges. Please listen to the tape of the original recorded phone conversation to your Customer Service or the subsequent calls to your office. I relied on statements and agreement made with an official Bank of America Representative. Now I am being told that we are 2 payments behind, which would create a hardship and not possible. I was current and have made every payment since resuming payments and actually ahead one month when I make payment this month. ( XX/XX/XXXX ) I lived up to my end of the agreement. Please correct this error and keep your promise. 

I am requesting a correction so you dont erroneously foreclose on us again, as you did in XXXX. BOA still took two years to issue us a Modification ( XXXX ) where we still have not been made whole from that grave error by BOA. BOA had to return funds to the Trustee Sale buyer who was trying to evict us during the holidays ( XXXX ). BOA finally issued a formal rescission in our favor Thank God! Please send : 1. Loan History since inception of Loan. 
2. Transcripts of the Phone conversation from XXXX XXXX XXXX on around XX/XX/XXXX to present. 
Re : Federal Disaster Program and payment XXXX. 
3. Letter regarding Expiration of fire disaster program Respectfully, XXXX XXXX XXXX.
Product: Debt collection

I recently received several calls from Sunrise Credit Services regarding an alleged debt with XXXX for internet services. According to their claim, I owe a service payment for the date of XX/XX/XXXX. However, I firmly dispute this claim. Let me explain the sequence of events to provide a clear picture. 

Before XX/XX/XXXX, I made multiple attempts to cancel my account with XXXX. During one of my initial calls prior to XX/XX/XXXX, I explicitly requested to terminate my membership because I was moving. XXXX assured me that they would cancel my membership, but unfortunately, they failed to do so. To my surprise, I later discovered that they had charged me for the month of XXXX, despite my intentions to cancel. 

Upon realizing this mistake, I immediately reached out to XXXX to request a refund. However, they claimed to have no record of my previous call requesting the termination of services. While I knew this to be untrue, I reluctantly accepted their offer to cancel my subscription on that day. Given their prior mishandling of my request, I became apprehensive about their reliability and promptly notified my bank, XXXX XXXX XXXX, to halt any further payments to XXXX. I explained the situation to my bank, only to learn that I was not the only one facing such difficulties. It became evident that XXXX was employing questionable and unethical practices, as numerous similar stories surfaced through a simple XXXX search. 

To my dismay, XXXX subsequently sent a bill in collections for the month of XXXX, despite the fact that I had already paid for it. Moreover, I possess bank records demonstrating that the payment was deducted from my account on XX/XX/XXXX. This evidence solidly supports my position that the bill has been paid in full. I promptly forwarded this information to Sunrise Credit Services, although I am yet to receive a response from them. 

I felt compelled to proactively address this matter since my research revealed that Sunrise Credit Services shares the same poor ratings as XXXX, with most of their collection complaints being related to XXXX 's services. Given these circumstances, I am seeking guidance on how to resolve this issue and prevent further harassment. 

Please note that while I appreciate any general advice or suggestions, I understand the importance of consulting with a legal professional to obtain specific advice tailored to my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX, XXXX Account # XXXX, has violated my rights.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The XXXX XXXX XXXX XXXXXXXX XXXX is requesting to collect the debt of {$880.00} according to them for damage in the property. I contact them letting them know since XX/XX/year> for damage in the roof, Noticed high humidity and severe condensation on the ceiling and direct damage to it that caused the door frame and fire detector to be damaged, problems with the air conditioning and they never went to replace or fix the problem. 
I dont feel responsible about the damage caused in the property when I reported the issues on time, I always pay the rent and never left with a debt. 
Is not fair, Please help to resolve this issue with an appropriate agreement.
Product: Credit card or prepaid card

American Express is doing 'Bait & Switch ' : They send you a credit card promotional offer and then renege on the promotion.
BACKGROUND : I was sent Amex Gold card offer by American Express for 50k points after {$2000.00} purchase within first 3 months of account opening ( RSVP Code   XXXX   ).
In the past, I had Amex Gold card that I had closed more than a year ago ( last card closed on   XXXX   XXXX   that is why American Express sent in   XXXX   XXXX   a new offer ) American Express promotion letter and subsequent documentation did not say anything about having prior card. Attached is the documentation that American Express sent to me : 1. The promotion letter 2. The letter accompanying the card 3. The booklet showing the promotion.
4. Application screen ALLOWING me to apply.
Nowhere did it state that I am not eligible, since I had the card more than a year ago.
Nevertheless, out of abundance of caution, I checked with American Express customer service and was told that I was ELIGIBLE for the promotion since the account had been closed over a year ago. Based on that assurance, I got the card and fulfilled all the obligations of purchasing more than {$2000.00} within 3 months on  XX/XX/XXXX 
American Express admits to mistake but will still not credit 50k points that I am entitled :   XXXX   XXXX   from Amex Executive offices called on XX/XX/XXXX  & agreed : - That Amex should not be sending invitations when they specifically know I have had the card before and am not eligible - She also agreed, that customer Service should not be giving me wrong information that I am eligible to apply for the promotion, when they know specifically from my RSVP code, that I have had card before.
Product: Mortgage

My mortgage of 14 years with Ocwen transferred to PHH mortgage services in XX/XX/2019. Due to hurricane Florence I was in a 6 month forbearance plan. I didn't call Ocwen and ask for the plan, Ocwen called me and made the offer. Before Ocwen shut down there website I printed off 1 year of payment history and printed the last 6 months of confirmation of payments. When PHH mortgage services took over the loan they told me I was delinquent for the XX/XX/2019 payment. I sent PHH proof the XX/XX/2019 payment was made, ( confirmation number and bank statement ) I've sent 5 certified letters with copies of confirmation numbers and bank statements to prove all payments have been made on time and my account has never been delinquent. I've had numerous phone calls to the company and spoken to 6 different people, to no avail. PHH will not correct the error on their end. I know they have taken one of my payments and applied it to XX/XX/2019, which, had already been paid and I've sent them proof of that, which now means 2 payments were made in XX/XX/2019. Now PHH persistently insists I am a month behind regardless of all the confirmation of payments made on time and the bank statements. I think this is a deliberate attempt to try and foreclose on my home due to the equity I have in it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, PORTFOLIO RECOVERY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Prepaid card

Security measures on this American Express gift card render it unusable online and in person. I have tried multiple stores and each attempted use creates a XXXX  cent pending transaction that does not roll off until after 7 days, which decreases the balance of the card. I've called customer service they assure me that they are protecting my money, and that I should try another retailer online. I have and the same thing happens. I can not use this gift card and would like this amount rendered in a form that I can use.
Product: Checking or savings account

I was a client of BBVA bank, which was purchased by PNC bank. I received a letter from PNC stating that as from the date of the takeover, I would be able to access my account on PNC using the same user name and login I used to have for BBVA, but this is absolutely not true. I called the number indicated by PNC and the person told me the only way I could get a new pin to access my account was to send a letter to the bank in XXXX and wait for a new letter with a pin. Sent the letter, never got a response. Then I received an email from a so called " Case Manager Retail Support '' asking me to get in touch. I called several times, replied the email with my contact info and never got a call back. I am still unable to access my bank account and I have mortgage payments being debited in such account, I need to have access urgently. The bank renders a lousy service and simply ignores the clients.
Product: Debt collection

Never received notification of collection. I was not able to dispute the legitimacy or amount of the collection. Never received written communication and never received a phone call because they had the wrong number. I never received anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX Acct : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

I was notified by CITI Bank lawyer office, that I owed Citi Bank a debt of {$1900.00}. I had no idea what they were talking about! I knew it was fraud so I immediately called the police to report fraud. I was told by the officer that they will file the report at the XXXX XXXX Police Department. Once I received the lawsuit I called the police department to get the report they were suppose to file but to my understanding it was never filed at that time. I also called the company asking what was this debt all about. I let them know I never filled out any type of application for any funds or credit with their company. I also informed them that someone was using my SSN number, name with their company and it is FRAUD. They asked if I lived at the address they had on the application and on file. I said NO! I informed them that I have never lived at the address they have on file. 
I also asked how did they get my address and I was told they have their way of finding out where people really live. I have lived at my address all of my life and the only time I was ever lived away from home was when I XXXX XXXX, XXXX XXXX XXXX. I also asked if they ca provide me with the identification and signature that was presented to them to take out the credit or loan that they said I took out with Citi Bank. They ignored the question. I answered all of their questions and I thought it was over but a month later my father was served papers for me asking him was he XXXX and he stated NO he was not! Neither me or my father was Identified correctly by the company or the server. I don't know why the company did not investigate this issue honestly or thoroughly. There were no signatures or identification provided to me for proof. They provided only how much was borrowed. Not sure if XXXX is correct. They never gave me an opportunity to share the information to prove I was not the individual they were suing.
Product: Mortgage

We paid off our mortgage on our property located at on XX/XX/2021. We have received a letter indicating that our loan has been paid off but we have yet to receive, even after repeated calls to Security National Mortgage ... and promises that the closing documents/payoff packet would be sent out ... .with no results. 

Each time we speak with a customer service representative that seems to be quite helpful. They say that they are looking up our loan, and when they find the record, they look into notes ... and tell us that the information has been requested and would sent, rushed ... .etc ... .but nothing ever comes of our requests. 

I have asked if there is another phone number/manager that I can use to get this issue rectified and I am regularly told no. 

We are at a dead end at this point.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX