23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, My official complaint, On XX/XX/2020 I paid 2 debts in full to the original company, XXXX XXXX. I sent a letter and proof of payment to the creditor, American Accounts & Advisers , INC. on XX/XX/2020. In that letter I requested proof of removal from my credit report within 30 days of receiving my letter and proof of payment. I never received anything from them to this date, XX/XX/2020. This debt continued to be reported unpaid by American Accounts & Advisers , INC. for the next 4 months, I attempted to dispute this with XXXX multiple times during that period but due to COVID there we not taking care of disputes due to staffing. On XX/XX/2020 I called XXXX and was able to talk to a person that submitted the dispute for me. I asked XXXX  to direct me to a place where I can make formal complaint against American Accounts & Advisers , INC. inability to do their due diligence in removing a paid debt from my report that they knew was paid. I called the number and it was American Account & Advisers , INC. I was quickly directed to XXXX 's voicemail. I left an extremely professional message indicating this debt is paid and their lack of response is to say the least disappointing to blatantly ignore a paid debt and not do their due diligence to remove it from collections. I received a call this morning to say it is now reported paid. I asked what caused their lack of due diligence to report and why it took them 4 months. There was silence and I was given no reason at all, none. The phone call was recorded. I have been in the process of trying to get approved to buy a home, build my credit portfolio and been denied multiple times due to this debt not being reported paid. It has directly affected my life and what I am trying to build for myself and my family. 
These companies will harass you night and day but the moment we need them to report a payment, no response. It needs to stop and there should be consequences for companies that do this. 
Thank you, XXXX
Product: Debt collection

I have received calls from Unifin from the numbers XXXX ( XX/XX/2023 XXXX ), XXXX ( XX/XX/2023 XXXX ) and XXXX ( XX/XX/2023 XXXX ). Every time they call they immediately ask for my name and my social security number before giving me any information at all ( including where theyre calling from or that theyre a debt collector ). When I tell them my name is correct they give me the company name but still refuse to state why theyre calling or what the business Unifin is until I verify my identity. I have received zero written notification from this company, I do not know what debt they assume I owe them, and they will not give me any information unless I give them confidential personal information. This is illegal and they have been informed of such. They were also informed that if theyre a debt collection agency they can contact my bankruptcy attorney at which point they say they will discuss all further information when my identity is confirmed. At this point I always hang up.
Product: Credit card or prepaid card

This regards a Capital One credit card. I phoned Capital One and they refunded the disputed amount. But I want to file a complaint because of what I believe to be a problem in their billing system that results in unwarranted charges to their customers. 

I received a bill for {$2500.00} due on XX/XX/XXXX. I paid that amount on XX/XX/XXXX which they have a record of. 

The next bill, due XX/XX/XXXX contains a bogus interest fee of {$17.00}, which they credited to my account when I phoned them. They also said that in the future, they might not refund a similar charge. 

My two previous payments were on XX/XX/XXXX and XX/XX/XXXX, also on or before the due date.
Product: Mortgage

We live in Florida and homeowner 's insurance is a nightmare here. In XXXX, we called and let Newrez know that we were changing insurance companies and gave them all of the of the correct information. In spite of this, they paid the wrong insurance company and it took months to work it all out. 

In XX/XX/XXXX, we got our renewal from XXXX ( the current homeowner 's insurance ) and found it unacceptable. We had our insurance agent quote us out a new policy with XXXX. Upon receiving this quote, I went online to Newrez and used the contact us button to inform them that they are NOT to pay XXXX  and that we will be with a new company ( XXXX  ). They told me to email the insurance documents for the correct policy to XXXX. And I immediately did. Well, they went ahead and paid XXXX, anyway on XX/XX/XXXX. I went online and used the contact us button again to inform them they paid the wrong insurance company AGAIN for the second year in a row. Their response was to send the insurance docs to XXXX ( which I had already done ) and that any refunds will be my responsibility to obtain ( even though it is their mistake that caused this ). Since then, I've tried calling their insurance department at XXXX and get no response ( I'm either on hold forever and give up, or I choose call back and never hear from them ). I tried their online chat and they simply say they can't help me and tell me to call the insurance department. In the midst of all of this, my agent has also emailed the correct insurance documents XXXX times. I am stuck in a loop where I have the wrong insurance company paid and a mortgage servicer who will not respond to me to fix it. A SCARY proposition during hurricane season in Florida.
Product: Mortgage

This is a follow-up complaint to CFPB complaint  XXXX , which I filed on  XXXX / XXXX /  XXXX  . The reason for this complaint now is that Bank of America failed to address the specific issue and questions I raised regarding its ownership status of my note and mortgage, so I 'll try again.     Has Bank of America, or any of its subsidiary or related companies, ever owned the note and/or mortgage that was used to finance and secure the debt on my residence?     The previous answer, sent in a letter from  XXXX   XXXX  and attached herein, only addressed whether or not BOA serviced the loan.     However, to be clear, I 'm now asking, pursuant to the federal law regarding 'Qualified Written Request ', if BOA ever owned the note and mortgage regarding the subject property.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or XXXX verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT IN FRAUD INFORMATION TO EQUIFAX AND XXXX CREDIT COMPANY AND THEY HAVE REFUSED TO REMOVE THE FRAUDULENT INFORMATION OR INVESTIGATE AND SEND PROOF OF INVESTIGATION
Product: Debt collection

I received a notification of a Collection by National Credit System on my credit report. When contacted, their only response was that it was someone with my name and that was it. They also mentioned they had emailed me the charges to an email address I did not recognize ( but it included my birth year ). They proceeded to provide the statement of charges to my correct email address ( which does not contain my birth year ). The debt is for late rent on an apartment at XXXX XXXX XXXX in XXXX XXXX, FL. I tried reaching out to the Apartment leasing office, to the Apartment Management office ( XXXX ) and to their owning entity XXXX XXXX XXXX without any success. I do not recognize the debt since I did not live in their building nor procure any services from them.
Product: Credit card or prepaid card

Credit report shows that I've made all of my payments for the card on-time for years and even though my financial situation is improving, they've REDUCED my credit limit, thus impacting my credit score. I've paid down my balance to what was originally less than half, and now the new limit puts me at over 90 % utilization. This is constitutes dishonest practices that affect credit decisions by other institutions. I was not notified of this action via the credit institution ; I only was made aware of this by my bank credit monitoring service.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I notice inaccurate information on my credit report. I disputed it XX/XX/year> and received no response. I have proof its inaccurate which you can see on page XXXX of XXXX account. 
Bankruptcy XXXX XXXX XX/XX/year>
Product: Debt collection

XX/XX/2019, the car was taken away from me without any notice, I did not miss any of my car payment and ruin my credit report. See my months been paid. I believed they took my car out of my apartment 's private parking lot. I was going to sell my car for a in trade with a dealer. They took my car away. the amount is {$4000.00} on my debt. 

I found this Lobel Financial CORP is a dirty business, they never send me a payment letter, only online with fee plus charged there is no another option to make a payment. There are many negative reviewers say about this company because we become a victims. 

I found out my car is stolen and this vehicle was in an accident say on the XXXX report when I was trying to purchase for another car and in trade for my former car. 

This CORP try to force and make me pay my debt that car was taken away from me. Did not miss any month payment. I refused pay because they charged me for extra money on the fee tow and fees.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
XXXX XXXX XXXX {$750.00} - XX/XX/year> XXXX XXXX XXXX {$470.00} XX/XX/year> XXXX XXXX {$210.00} XX/XX/year> You are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice.
Product: Credit card

Over the past several years, American Express, in conjunction with my other creditors, have reduced my credit score by more than XXXX points, resulting in my inability to secure a consolidation loan to pay off my credit card debts at a much lower payment and interest rate. They have reduced my credit score even though I have never missed a payment or defaulted on any account. For the past several months, I have continued making payments in the amount requested, including finance and interest charges, and in spite of my continued downward spiral financially. Eventually, I could no longer maintain the payments, and requested, via letter, that they work with me and accept a monthly payment of {$50.00}, on the condition they stop all interest charges, finance charges, and any late fees now accruing. I also informed them that I am XXXX XXXX, and living on a fixed income. 
They have neither refused nor accepted my offer to pay this account under the aforementioned terms, and have as yet to even acknowledged that I've made any effort to work with them. 
I sent them a letter on XXXX. 
I sent them a payment of {$50.00} on XXXX
Product: Checking or savings account

In XX/XX/XXXX my checking account at Bank of America had over {$1000.00}. That month I received a new debit card in the mail when I tried to use it the balance was XXXX. My bank statement came and all it said was debit account XXXX. I have been to bank and inquired, I was told the IRS must have taken it. I went to IRS and they knew nothing and they told me if they took it they leave a notification explaining why and what to do. I went back to bank and now XXXX told I can not file a claim or even look into because they force closed my account in XX/XX/XXXX and they have no access. I have been getting the run around each and every time I go into or call bank. The bank closed my account cause of bank charges and overdrafts from the money they took I became homeless due to this
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I took a home improvement loan to update our back yard. The contractor referred us to the bank for finance of the project. We obtained the loan on XXXX XXXXWe were given a portal where all documents were stored until ready for submission. The Contractor advised on XX/XX/20 that he was going to seek a partial payment and if the bank calls say that the project was completed. I advised ok, but I was awaiting the call from the bank. The bank never called to check if the job was completed. I called the bank and asked about the partial payment they advised me that they had no idea about the specifics of the loan. I later received a bill from XXXX advising that we owe for the project. I called and the bank to advise that the job was never completed and I sent over documents that the advised he was only looking for partial payment the account was put in dispute the bank tried numerous of time for over 6 months to get the contractor to come and finish the job. Per, the bank contract it stated that if the job wasnt completed by XXXX the contract would be terminated or expired. The bank is refusing to rewrite the loan for what we owe or as it has been mentioned to terminate the loan. The bank is refusing to get our money back and practice in good faith. They are now reporting our account delinquent to the credit bureaus. They have documentation that the contractor admitted that he fraudulently withdrew the loan knowing that he had not completed the project. We have an open investigation with the XXXX for the contractor and now we are seeking resolution for XXXX. My husband is XXXX XXXX and this has whole situation has become a true nightmare. XXXX has been rude and uncooperative in mitigating this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with my ex husband in XXXX. We divorced in XXXX. In our divorce decree, my ex husband was awarded the car. 

Once he took possession of the car, not only did he lie about being XXXX XXXX, he hid the car when Capital One tried to repossess it. He then agreed to settle for less than what is owed on the vehicle. 

This is causing my credit to keep me from obtaining a new vehicle. 

Capital One says I am still responsible for this vehicle. If I am responsible then why was I not notified about the settle for less agreement? If I am responsible for this vehicle, why does my divorce decree say different. 

I have tried multiple times to get this removed from my reports and Capital One refuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I contracted with a credit repair company and set out on a journey to repair my credit. I could tell there were things on my report that I did n't know what it was or who it belonged to. Multiple items were deleted and I continued to work on my report and scores. In XXXX XXXX, XXXX new items from Grant & Weber XXXX XXXX appeared on my Credit Bureau Report under derogatory marks. When I went in to investigate it, they were all from XXXX XXXX, XXXX and the original creditor was XXXX XXXX XXXX. I did n't have any knowledge of doing business with this company in XXXX or before, so I disputed the charges. XXXX of them were deleted but the XXXX largest charge was deemed valid. I 'm not sure how one can be valid and not all of them or how one can even be valid when I have no knowledge of the company. On the credit report it shows that I have paid XXXX % of the debt off. I guarantee, I have n't paid XXXX or Grant & Weber a penny, so that information is incorrect as well. I would like to see some sort of proof where I signed for the goods that I supposedly received from XXXX XXXX, what type of supplies it was & proof of a payment that was made by me. I believe all of this to have been placed on the wrong person or SSN.
Product: Debt collection

Hello, I recently reviewed my credit reports with XXXX, XXXX and XXXX. I noticed a paid credit collection on my reports. As I was unaware of this dept I disputed it with the 3 bureaus and asked them to validate dept and send me documentation. I received responses from XXXX & XXXX both validating debt per creditor. I called to see what kind of documentation they received to validate this debt, I asked specific questions about the debt, and they said that it was just validated and if I wanted information I would have to call the creditor directly. I requested information from XXXX so that I could validate the dept. They sent me the original contract, which has a date missing by a Signiture, I asked for receipt of payment to see who made the payment and to verify amounts. I asked for any picture or photo ID linking me to the debt, I asked for delinquency dates, and I asked for XXXX licensing number. Please review my emails. The response I received was that they are not sending me verification or validation because the account was closed, even though they are still reporting it to all 3 bureaus. I am taking this very seriously and want to file a formal complaint agains XXXX and I Want this collection removed from my reports immediately. I should be able to verify anything that is being reported about me.
Product: Mortgage

My mortgage was sold to Specialized Loan Servicing LLC without my knowing. I had a bi-weekly payment schedule paying half the monthly mortgage every 2 weeks. The previous mortgage servicer had no issue with this. Once SLS bought my mortgage, without my knowing, they started charging me late fees. When I figured out what was happening, I contacted them and the CSR said that SLS does not accept partial payments at all. I even offered to make a couple of payments early so I would never be behind. The CSR stated that was not allowed. How can SLS purchase my mortgage without my knowing and then change and restrict my payment options? In looking into SLS, it seems that many people have had issue with them, and filed many complaints. Please look into this shady company.
Product: Credit reporting or other personal consumer reports

This is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ). 

Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Attached is the dispute letter, which is dated, and time stamped.
Product: Credit reporting or other personal consumer reports

Upon review the files, it comes to the attention that there is an Error of FALSE information about XXXX XXXX, Account # XXXX with the balance of {$4700.00} ( Date open XX/XX/year> ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Product: Checking or savings account

I scheduled a transfer from my Marcus Goldman Sachs XXXX XXXX savings account to my checking account at XXXX XXXX XXXX in the amount of {$1200.00} on XXXX. I received an email on XXXX telling me to call as soon as possible. 
I called Goldman Sachs, provided my name, date of birth, last for of my ss #, and my secret word to verify my account. I was told I needed to speak to an " account specialist '' to help me with my account. 
Was on hold for almost a half hour total before the " specialist '' picked up. Told me that they needed to send an " authentication pin '' but my phone number was " ineligible ''. That a member of the investigation team would contact me within XXXX to XXXX business days. Would not tell me any information about anything because they could verify my identity... .even after I provided info to verify myself. They stated that it is their " policy '' to send a pin to an " eligible '' phone number. I feel that they are trying to steal my money. I want that {$1200.00} put into my checking account as well as the rest of what's in the Goldman Sachs account.