23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Continuing from the last CFPB case, XXXX Regarding the attached late payments, the only past-due notice I received was on XX/XX/XXXX. For all other payments, I received two emails : one confirming the payment was scheduled and another confirming it was posted. However, I never received an email notifying me of a returned payment. 

This is very misleading and in violation of the following. 

* CFPB Regulations and Guidelines Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : The CFPB prohibits UDAAP. If your credit card company failed to notify you about a reversal of charges, causing harm or confusion, it is considered an unfair or deceptive practice. 
* Regulation Z ( Truth in Lending Act ) : Regulation Z requires clear and timely communication about changes to your credit card account. Failure to inform you about reversed charges violate these disclosure requirements.
Product: Debt collection

Afni , Inc . 
Ref. # XXXX To whom it may concern : The reason I am writing to you is because I do not agree with the outstanding balance that XXXX says XXXX owe. I canceled the service on XX/XX/2021, and returned all the devices I had. I received an account statement saying that I owed service from XX/XX/XXXX to XX/XX/2021, that is false. How will I have service in that statement period if I cancel the service on XX/XX/XXXX. I don't owe XXXX anything and I have the right to demand that I be removed from the collections department. Thank you. 

XXXX XXXX XXXX XXXX
Product: Credit reporting

One of my creditors reported me deceased back in XX/XX/XXXX, it has been a living nightmare trying to have it reversed. I have submitted complaints to XXXX, Transunion & XXXX to date Transunion and XXXX. still have me listed as unrated and deceased. XXXX has not updated my report. Therefore I can not get credit, and I have a business and it is severely affecting how I do business. After many letters sent certified return receipts, I am at a loss as to what steps to take next. In XX/XX/XXXX XXXX XXXX called my mothers house to update their files? never called me, and she said XXXX XXXX years ago, that was my dad, XXXX did not send letters to my to confirm or call my cell. They wrote that account off and left XXXX other accounts active. 
I want to know who to talk to how hard can it be to reverse the damage. And XXXX will not talk to me I get transferred to XXXX. 
I am at my wits end.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i sent a letter to transunion to update a XXXX XXXX latepayment that was being falsely reported. They had updated the payment from 30 days late to current. Then i look at my credit report In XXXX and they changed it back to 30 days late which is a violation. I have attached my letter below. Due tho them reporting this late payment i am back not getting approved for apartment or a car.
Product: Mortgage

I purchased this home in XX/XX/XXXX when I was working. I became ill and was put on a medical leave by my doctor in XXXX. I have struggled to pay my mortgage since my XXXX  went from XXXX to XXXX XXXX and my XXXX  payments went from 90 % of my pay to 60 % of my pay. I got married with the hope of some assistance but my husband moved out and refused to help. He has never made a mortgage payment. Every payment has been paid by me. I believe that SPS has looked at his income rather than mine to make the decision to refuse a modification but we never shared a bank account of money. He passed away in XX/XX/XXXX. I did not inherit anything from this man. I am not the executor, administrator or trustee of his estate. My only income is {$2400.00} a month from Social Security and my mortgage payment is {$1100.00}. Despite their refusal to modify my mortgage, I must struggle to keep my mortgage paid as I have no other place to go. I have been in my home 25 years and I am paying a mortgage on a home in a neighborhood where all of the homes are under water. Our property taxes are some of the highest in XXXX county. There are many vacancies on my block alone and many others are rented out under Section 8.  People are abandoning their properties and leaving the area. I am trying to keep my home. I am XXXX years old and buying another home is out of the question because I can't afford to. Right now, I live close to XXXX of my children if I should need help.. There are properties on my block that has been vacant for 3 years or more. It seems as if Mortgagers and Servicers want these properties to be abandoned and vacant. It actually feels as if they want you to be homeless. I need relief from this struggle and a short sale is not an option.
Product: Vehicle loan or lease

I am writing to complain about my auto loan company Prestige XXXX XXXX  and also to ask that the CFPB take action on this predatory loan company and sue them on my behalf. I have had this auto loan for over 6 years at an interest rate of over 23 %. This company is extremely unprofessional and possibly engaged in illegal business practices to myself and countless others. They have been stalking and harassing me consistently over a 6 year period in addition to charging me countless late fees and blown up interest for a car that I bought for XXXX. I still to this day owe XXXX plus their late fees and even though I told them I'm temporarily laid off of work, they continue to send me threatening emails and call me repeatedly. They are causing me inexplainable XXXX and XXXX  since this is my only car and I a trying to avoid repossesion and having to pay them back after repossesion. 

My account is currently assigned to " late stage collector '' XXXX XXXX. He will not work out any workable payment plans for me after me explaining to them that I am only receiving unemployment income and struggling. After finding out the car needs over $ XXXX in repairs, I told XXXX XXXX that I'd like to surrender the vehicle on XX/XX/year> due to my not being able to catch up and repair the vehicle at the same time, but he denied my request to surrender the vehicle. So now I am stuck trying to repair it to keep it on the road and catch up with the payments.

They are also very shady with their communication as every time they send me a threatening email they delete the whole thread so they can stop a regular person from copying the whole conversation thread. I have zipped up many years of their emails and my responses from MY sent items folder because they delete the previous conversations to protect themselves. In the first 3 or 4 years they would harass me via text, now they do it over email because I told them to stop texting me at work. This company is an illegal predatory lender and I'd like the CFPB 's assistance to sue and regulate these loan sharks.
Product: Debt collection

To : CFPB Ombusman My name is XXXX XXXX XXXX and I am writing to you for some assistance. I know your time is precious so I will do my best to keep this short. 
I was the sole proprietor of my computer repair business. Over 13 years ago I took an order over the internet for the purchase of a large volume of color inkjet cartridges for XXXX XXXX printers. I was concerned at the large amount, so when I deposited the first check I mentioned that the check was from an internet sale. The clerk told me that by general rule if I wait 30 days and there are no problems, then all is good. I did that. 30 days passed and no problems, so I continued to do business with the person over the internet on a regular basis. 
9 months passed by with no problems. But then Wells Fargo tells me that all the checks are fake. I had XXXX XXXX dollars in my account at that time. Wells Fargo took that money and another XXXX XXXX dollars were transferred to my 2 Wells Fargo credit cards ( 1 business and 1 personal ) to cover the total of XXXX XXXX dollars in business I had done over the 9 months. Wells Fargo performed these transfers without my approval. Wells Fargo then proceeded to take me to court, while completely skipping the arbitration process. Colorado case number XXXX. 
I was completely broke. I lost my house, 2 cars, and defaulted on 5 credit cards, because I couldnt make the payments and was homeless for a time due to the actions of Wells Fargo. I was also the sole custodian of my daughter, who I had to send to live with her mother because I was no longer financially able to support her due to the actions of Wells Fargo. When the court date came around to address the additional XXXX XXXX plus some interest and late charges that were added to my credit cards which added up XXXX XXXX, I had no money to hire a lawyer, so the courts levied a judgement on me. 
After starting completely over and persevering through all this, I finally opened a credit union account a few years ago. A debt collector XXXX XXXX of law firm of XXXX XXXX XXXX XXXX in XXXX XXXX XXXX ) XXXX found funds there and have frozen them to pay for the XXXX XXXX still owed. 
Im and honest man. I didnt write bad checks. I accepted bad checks and Wells Fargo didnt cover me at all. I wasnt able to pay the IRS during that time and when they caught up with me I setup a repayment schedule and I have paid the IRS off in full. A few other creditors were affected by the actions of Wells Fargo as well, and I have paid them off as well. What Im saying is that I pay my debts. 
I dont feel that the actions of Wells Fargo over 12 years ago, nor freezing my funds currently are legal. I did some cursory research on Colorado Law and it is stated that a judgement can lapse after 6 or 20 years, but it also says it can be renewed for another 6 or 20. I havent found anyone who can tell me if Wells Fargo applied for the additional 6 years and of course the law firm is acting ignorant about that law. 
Im hoping that you can act as my advocate in this situation. I appreciate your time in reading my corresponce and hope to hear from you soon. 
Respectfully, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I filed XXXX XXXX bankruptcy in XX/XX/XXXXXXXX  during covid due to family financial hardship. My Case NO : was XXXX. I worked very hard and paid it off early. XX/XX/XXXX, I received an Order to Deem my Mortgage Current from the XXXX Bankruptcy Court of North Carolina XXXX XXXX signed by XXXX  XXXX XXXX XXXX. 
The trustee disbursed to XXXX  a total of {$62.00}, XXXX representing contractual mortgage payments for the months of XX/XX/XXXXXXXX  through XX/XX/XXXX. SLS was paid an additional {$20000.00} for pre-petition arrearage claim. SLS was notified and served a Notice of final Cure Payment complying with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never replied but sold the mortgage to Shellpoint. 
Shellpoint will not accept the decision of the court or that I own this property. Shellpoint has tried to force me to do a force Modification loan, threatened foreclosure, have added their hazard insurance. I have had XXXX  XXXX  from the purchase date. 
XXXX  sent them proof of insurance twice so did I. I sent the deed, power of attorney and bankruptcy documents everything they asked for. Now they say I owe {$4300.00} in the rear and three months late, this is new. I was directed to pay SLS {$1200.00} a month starting XX/XX/XXXX. I have paid them {$1300.00} since XX/XX/XXXX and have not been late or missed a payment. The office of attorney XXXX XXXX sends payments to lessen confusion, Shellpoint kept all payments. 
The first payment went to SLS as directed returned to be sent to Shellpoint it was not late. To day I got another letter stating that I have until XXXX to pay everything or lose my home. I received two overpayment checks from the bankruptcy court. I get correspondence at least three times a week accusing me of a debt I do not owe and harassing me constantly I want it to stop.

I have never seen such a mess in my life. I am XXXX XXXX XXXX, a XXXX  veteran of XXXX years. I do pay my debts. I need help I can not let them take my home or go back into another bankruptcy. What is really going on with this company. Why are they challenging the North Carolina Bankruptcy system? Why do they want my home so badly? Can you help?
Product: Checking or savings account

The Directors of XXXX XXXX XXXX XXXX XXXX XXXX XXXX took our Account from USDA and refinanced it with BB & T Bank XXXX, Alabama. The Articles of Incorporation state that notice is to be mailed out to the members of the Cooperative and the members are to vote at the Annual Meeting or Special Meeting. Notice was not mailed out and we, the members were not asked to vote. On Monday XX/XX/18 I took the articles of Incorporation to the XXXX Office, and they faxed them to the XXXX Office. I have had no response from this and I know they were suppose to provide the minutes from the meeting showing the members had voted to change this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian have ruined my financial standing. It is so unfortunate that these companies have so much power over a person 's livelihood. I submitted documentation for a legal name change to both bureaus. Rather than updating my information, they created a new profile under my new name. My credit scores tanked because all of my credit histories are under my previous name. I have called every number available to try and get them to merge my accounts but to no avail. 

Instead, I have been passed around to 2nd string representatives who can not assist me with my issue. XXXX sends me from person to person and Experian does a dance around an automated system. I am not sure what else to do as my " thin '' credit file keeps me shut out from many financial opportunities. The funny thing about it is XXXX got it right! They simply updated my new name and listed my old name under " previous names. '' This is how it should be done at each bureau. 

I am asking for assistance with contacting these reporting agencies and holding them accountable for providing current and accurate information as it is detrimental to my credit portfolio. This incompetence should not be tolerated as many people rely on these agencies to get it right. Thank you for your time and I hope you have a better shot at contacting a competent representative than I have had.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and American Express hae fraudulently reported my death causing tremendous strain to my life.This has caused great emotional distress and Financial damages. XXXX has neglected its lawful, legal duties while violating several of my rights. 

I have asked for copies of my report for a full year now and they have only sent letters saying they are in receipt of my request. It has now been a full year of this every month refusing their lawful duty. The letter will be in the attachments. This consistent action neglects their lawful, legal obligation under 15 U.S.C. 1681y section 623 and my rights under 15 U.S.C 1681g I have disputed this fraudulent claim for a full year and it continues to show in my report. With me reaching out and making it known that I am alive ; they have continued in their negligence of federal law 15 U.S.C 1681e. They have not only failed their lawful duty to accuracy but also violated my right under 15 U.S.C 1681b ( a ) 2. Not only have I not consented to this reporting, I have made it known that this is against federal law and XXXX continues to willfully violate my rights and neglect its legal duties. 

These violations caused me 1 year of interest rate hikes on my home. not to be eligible for my mortgage trouble getting a vehicle. Loss of jobs. And inability to continue life for a full year. This has totaled {$360000.00} in damages pain and angiush to me and my family.
Product: Debt collection

Receivable Performance Management keeps calling although I already explained the debt is not mine, maybe due to the identity theft. But the agent, XXXX XXXX, insisted on paying the debt. This conversation was on XX/XX/XXXX. 
The phone number, XXXX from XXXX XXXX. I was told that I owe {$130.00} for the last eight month bill. The number is not belonged to me nor my family. But she doesn't listen to me, kept repeating that I owed. I am sure she was trained like that. 

I called the XXXX XXXX about the phone number. The customer service agent was not able to pull out the number. But she advised me to ignore the call from the collection agency. 

The collection agency keeps calling, stop me working. I am too tired and these calls have to be stopped. I am sure there are many others who become victims of this collection agency.
Product: Checking or savings account

Hi, For many times now, I have been getting fraudulent charges on my account. up to {$8000.00} dollars ' worth of. I told them to change my account number they neglected to and then I opened a savings account which they closed when they held my wire money for 2 months. So far, they are not protecting my money at all and are not reimbursing me.
Product: Debt collection

Some time in XXXX of XXXX, I received an alert on my credit report that I had a collection from a company I have never heard of. 
I called the number listed. It is XXXX XXXX XXXX. They said a debt was sold to them by a company called SunUp Financial LLC. I called them and they had no information for me. They said they could not provide me any documentation and that I had to call XXXX again. So I called XXXX again and they had nothing to provide me but an account number and a strange copy of payments due for some type of loan that is not mine. I begged them to provide me the amount, how did I get the money, something with my signature but all they have is some strange docusign paper with the amount of XXXX dollars on it. My name is not even attached. This is apparently from XXXX, and I have never taken a loan for XXXX ever! I even had my bank XXXX go through with me all any any deposits or money from this company or any company in this amount and nothing. I make allot of money and have a good job. There is no way I would ever take a loan for this amount of money. The company XXXX are very rude and every time I dispute this, I get a result saying " We investigated and its staying on my credit Report. '' This is not right. This is not my signature on the attached document. I did not receive any money and I did not take a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was an auto loan, first delinquent and reported, XXXX of 2012, there were no payments made after and sent to a collection agency. By federal law this debt is over 7 years old and should be removed and it has not been.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  disputed and account twice XX/XX/2020 and XX/XX/2020 with XXXX XXXX  reporting inaccuracies on and account it says I had and deposit related account 1month term which XXXX was written off XXXX is past due and 10 charge off XXXX refused to remove the error stating that they just report what the company sends I explained to XXXX you can't have an account with a one month term have a written off amount an past due amount and 10 charge off on the same account and it all be correct they refused to remove the inaccurate information and it has to be disputed a 3rd time they are in violation of the ftc rules Transunion llc was disputed as well same information provided error not removed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Correction of Incorrect Name and Address Information in My Credit Report Dear Sir or Madam, I am writing to request the immediate correction of inaccurate information in my credit report related to my name and address. 

My correct and only name is : XXXX XXXX XXXX XXXX. 
My correct and only address is : XXXX, Texas XXXX. 
Upon reviewing my credit report, I identified errors related to my personal information that need to be corrected. Below, I have outlined all inaccuracies : [ List the errors exactly as they appear in your credit report ] To facilitate the correction, I have attached documentation verifying my identity and accurate information, including : A copy of a government-issued photo ID ( e.g., drivers license or passport ) A copy of a utility bill or bank statement showing my current address I respectfully request that you : Correct my name to reflect XXXX XXXX XXXX XXXX XXXX 
Update my address to reflect XXXX, Texas XXXX. 
Remove all incorrect or outdated entries related to my name and address from my credit report. 
Please confirm in writing once the corrections have been made and provide me with a copy of my updated credit report. 

Should you need additional information or documentation, feel free to contact me at XXXX or XXXX. 

Thank you for your prompt assistance in resolving this matter. 

Sincerely, [ Signature, if on paper ] XXXX XXXX XXXX XXXX
Product: Mortgage

Freedom Mortgage act transfer to them, XX/XX/XXXX made a payment. Escrow just changed advise I did not think it was correct because they transferred the XXXX from XXXX. XXXX was not showing. Per Freedom mortgage telephonic instructions it stated pay XXXX or the of minimum XXXX that I paid. Called Freedom XXXX ID # XXXX advise showing on my credit report as a miss payment which is incorrect. The late charged was removed advise they will investigate. Called on XX/XX/XXXX still checking called XX/XX/XXXX spoke to XXXX # XXXX will send in another request. Called again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The last letter from Freedom Mortgage dated XX/XX/XXXX, stated they are unable to honor my request and miss payment Is accurate. I advise on the last conversation I have a copy of the recording giving me payments options and it was just ignored. I made the minimum payment they required and I should not reported as a miss payment this is affecting my credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, we called our previous car insurance company XXXX to start a claim for windshield replacement on my XXXX XXXX XXXX XXXX due to a rock chip that expanded. The work was to be done by XXXX. We ended up not going thru with the claim/window replacement as XXXX was not able to do the work due to computer codes for the windshield that only XXXX would have. 

We subsequently were shopping around for new car insurance when we found out about this claim still on our record- we explained to XXXX ( our new car insurance ) that we never went thru with the claim, they directed us to Lexis Nexis Risk Solutions to dispute this. XXXX relayed this affected our car insurance rate. 

We did dispute this with Lexis, Lexis indicated they could not corroborate the claim, where we then indicated they had 30 days to remove this claim from our record. This claim is still on our record. In a call to XXXX, they are able to corroborate that the claim was never processed. 

Ask : Please have Lexis remove this inaccurate claim from our record.