23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company appears to be 're-aging ' debts. I asked for proof of ownership of this debt and to validate the amount owed and date of delinquency when I spoke with XXXX on or around XXXX XXXX  XX/XX/XXXX of XXXX. I was told I would receive proof within 72 hours but had to follow up for them to respond. After follow up, I was provided by XXXX XXXX XXXX at Mountain Run ) only old invoices, with no documentation of payments or that they owned the rights to this debt. 

I attempted to clarify with the company as to why they felt they had the right to collect, however the response was something along the lines of 'I just work in the documents department. ' This fell off of my report shortly after, so I assumed they understood their error and failure to comply with proper debt collection practices. 

The debt involved is related to alarm service at a home I have not owned since XX/XX/XXXX. The last payment I made for alarm service would have been prior to that. I never transferred new service, made additional payments, or spoke to anyone about this in the time since. 

Despite the debt being too old to be reported, and question as to whether this party has the right to collect this debt, I was surprised to see this on a XXXX report for XXXX reported on XX/XX/XXXX.
Product: Checking or savings account

Starting on XX/XX/XXXX, multiple unauthorized ACH withdrawals were made from my Wells Fargo checking account to a XXXX XXXX brokerage account in my name. I reason that the only way that could be possible is if my identity were stolen, so I froze my credit. I had my phone stolen in XXXX, and filed a police report with XXXX PD about the theft, so that could have been the source of the identity theft. My computer also could have gotten infected with a keylogger that led to the theft. 

The specific dates and amounts in question are : {$5000.00} XX/XX/20 {$25000.00} XX/XX/20 {$4800.00} XX/XX/20 {$750.00} XX/XX/20 {$15000.00} XX/XX/20 {$5500.00} XX/XX/20 {$1600.00} XX/XX/20 {$1900.00} XX/XX/20 {$6000.00} XX/XX/20 {$4600.00} XX/XX/20 {$5400.00} XX/XX/20 {$9000.00} XX/XX/20 {$2900.00} XX/XX/20 {$3000.00} XX/XX/20 Prior to these withdrawals, there were deposits into my account from an account with a different name from mine that I did not authorize. I suspect that my Wells Fargo account was being used as a funnel to move money to the thief. 

I did not realize the transactions immediately because I do not check my balance often, and my balance fluctuates due to recurring preauthorized transactions and direct deposits. I was never notified about these transactions by Wells Fargo even though this is extremely unusual behavior for my account -- I never make large ACH withdrawals. 

I noticed the unauthorized transactions on XX/XX/XXXX after receiving an " insufficient funds '' notification a few days prior to that, and was confused as to how I could have insufficient funds. I filed a claim on XX/XX/XXXX ( well within the time period permitted by Regulation E ) by calling Wells Fargo and noting unauthorized transactions on my account. 

The investigator assigned to the claim denied the claim on XX/XX/XXXX. She took issue with the fact that I logged into my Wells Fargo account in the time period after the ACH transactions were made and claimed that I would have noticed the funds missing. She also thought it was suspicious that funds were deposited to cover the withdrawals, even though those deposits came from an account that isn't in my name. 

My understanding of Reg E is that I don't need to be a perfect customer who checks all of their transactions every day -- I have a busy life and do not have the time to note every transaction. I reported the unauthorized withdrawals within the 60 day period, as soon as I noticed them, and I should be entitled to receive the considerable sum that was stolen from me. The investigator was unfair in her assessment of the situation and seemed to focus on what I should have done, not what I was required by law to do.
Product: Mortgage

I have recently run into some medical problems that are making it increasingly difficult for me to remain in my home. I have decided to sell my home while I am still in a decent position to do so, and to avoid further hardships down the road. I contacted my mortgage holder, Bank of America this afternoon in the hopes of being able to discuss my concerns with them, namely that I wanted to discuss the possibility of being able to defer or reduce my mortgage payments while the house is on the market. I will need to get an apartment closer to the VA facility where I receive care, and would be unable to afford both. After being bounced between several different customer service agents in different positions, I was told that I would need to speak to a " Customer Relationship Manager ''. I was disconnected while on hold waiting to speak to someone in this position, so I called Bank of America 's Mortgage Customer Service Line and asked to be transferred to a " Customer Relationship Manager ''. I was placed on hold and then a man who mumbled his name too fast for me to catch it came on the line. He asked me to verify my personal information, which I did. When he asked to to verify my phone number, I said " It 's the number I 'm calling from ''. At this point, the person on the other end of the line snapped at me to " verify it ''. At this point I asked him to rephrase the question in a more polite manner, where he went off on me and repeatedly asked me " are you just calling to be rude? ". He continued in this manner, not allowing me to state my position or speak, and continuing to interrupt me. When I finally was able to get him to calm down, I stated that I had done nothing to warrant this disrespectful treatment, and that I had been a customer since 2006. He sarcastically responded " Thank you for your service ''. I then asked to speak to his supervisor, and he refused to transfer me to his supervisor. I asked what branch of Bank of America he represented, and he said " This is basically home retention ''. I then asked his name and he hung up on me. 
I am shocked at this rude treatment from Bank of America. This person I spoke to today was exceptionally rude and sarcastic, mislead me about the nature of the customer service I had requested, and refused to allow me to speak to his supervisor when requested, deliberately concealed his identity, and simply hung up on me when requested to provide his identity a second time. I have never missed a payment on this mortgage or even been late, and I was basically told to XXXX by this employee of Bank of America when I asked for help.
Product: Credit reporting or other personal consumer reports

I continue to have a problem with Transunion reporting Public records that I DO NOT have and at this point they are now defaming my character, CAUSING MENTAL ANGUISH, STRESS as well as VIOLATING the FCRA compliance and accuracy laws.

Per the TRANSUNION website it clearly states the following Public Records Important information about public record item ( s ) on TransUnion Credit Reports TransUnion reports public record items from local, state and federal courts and other public record sources. If your TransUnion credit report contains a public record item, you may be required to explain it to potential creditors, employers and insurers. Generally, TransUnion retains third-party vendors to collect this public record information and transmit it to TransUnion for inclusion on consumer credit reports. website Beginning in XX/XX/XXXX and continuing through XX/XX/XXXX, as a result of our implementation of enhanced standards for the collection and timely updating of public record data included in consumer credit reports as part of the National Consumer Assistance Plan ( NCAP ) and as part of a lawsuit settlement, TransUnion agreed to stop reporting civil judgments, state tax liens and federal tax liens on credit reports and will not resume reporting these public record items on credit reports until XX/XX/XXXX, at the earliest. TransUnion continues to report bankruptcy public records on credit reports. For bankruptcy public records collected through XX/XX/XXXX, TransUnion obtained information about your bankruptcy from third-party vendor, XXXX. XXXX may be contacted using the information provided below. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX https : //transunionconsumers.lexisnexis.com/ SO why is it that they are telling me they verified these public records through the COURT this is false, misleading information and I have provided proof that it was not verified through the COURT NOR XXXX take this off my report IMMEDIATELY!!!! I also have additional documents from XXXX from another compliant I filed after Transunion repeatedly stated this is verified and I will seek legal litigation if this is not deleted!!!
Product: Debt collection

XXXX XXXX XXXX has been calling me for the last several months. Recently, they have started to text saying I owe a debt of thousands of dollars. I wrote them to validate the debt, but they did not respond. They called me again and denied that I wrote them. 

The debt they are referring to is from ABC Fitness Solutions, which handled the payments of my gym membership. I called ABC Fitness to cancel when I stopped attending the gym. They told me I needed to send a buyout check. I sent it as they asked. ABC Fitness continued to charge me monthly fees. I called them again to cancel, they denied that I had ever cancelled or that they ever got my check. I called my local XXXX XXXX to resolve this. The manager told me that he got it resolved and I didnt owe any money. I double checked that I was all paid up and they assured me that it was completely covered
Product: Checking or savings account

XX/XX/year> Appeal rejected. 
wise closed my business account without any reason
Product: Payday loan, title loan, or personal loan

When I opened the Home equity line of credit at my local XXXX Bank in XXXX Michigan, I was told that before the 1st year ends, I could call and lock in the 1.99 % year one promotional rate for {$50.00} fee. I called today to lock in that rate and was told that is not an option, that I can not lock in a promotional rate, that I could lock in a rate of XXXX0.24 apr for {$95.00} dollar fee. I was told when I opened the account to take advantage of this year 1 rate by spending now and locking in the rate. I was lied to, and the company could care less.
Product: Credit reporting, credit repair services, or other personal consumer reports

Signed up for Experion 's " TustedID Premier '' service on XX/XX/XXXX, which was the last day of the offer. Received their Activation Email at XXXX. At XXXX was unable to sign up due to " System Unavailable ''! At XXXX it was " high volume ''. Tried a different computer at XXXX with the same results. Called their Customer " Support '' at XXXX and spoke with XXXX who promised to " escalate '' my case. Called them XX/XX/XXXX to followup and was told by XXXX that the offer was expired and could not be overridden. Requested a supervisor and XXXX told me the same same thing. Offer expired -- -can not be over ridden etc. She said they would again " escalate '' my information for further review and get back to me in 10 days or so. Of course, I never heard back from them. Evidently, " escalate '' to them has a different meaning.
Product: Checking or savings account

I always keep my funds in my savings, n transfer when I'm ready to spend or pay a bill. I recheck to see if the funds were actually gone from my checking so I know my purchase or bill was payed. Every now and then for the last couple years I have noticed negative charges in my checking account, and the Representatives At Wells Fargo that I have spoken with told me that it was a pending transactions, when the funds were no longer there to see in my mobile app. To avoid XXXX dollar fees per transaction I put my funds over to cover charges I never Made. Some charges were over {$100.00}. I am told to gather information myself. It happened too many times to remember specific dates. I informed them today as well.
Product: Mortgage

In XX/XX/XXXX, XXXX sold our Mortgage to Bayview Loan servicing. We had never heard of Bayview until then. However, they are reporting on my credit file that I have had a loan with them since XX/XX/XXXX. They are also reporting that I have missed 4 payments, and I have made 2 on their Fresh Start Program. I was contacted by a Bayview Representative, XXXX XXXX in XX/XX/XXXX, and asked if we would like a loan modification and I applied for it, and was told about the Fresh Start Program. I was told to get a Prepaid debit Card, and to put {$890.00} on it so that Bayview could withdraw it for the house payment for 3 months, and they would forgive the payments that were behind while they were assuming the loan. Our first payment was to have been in XX/XX/XXXX, but we received no paperwork to sign to accept the new program. So on XX/XX/XXXX, I telephoned Bayview, and a payment in the amount of {$890.00} was given to them by phone. Again, XXXX XXXX told me she was setting us up on the Fresh Start Program, and a payment of {$890.00} would be coming off the card on XX/XX/XXXX. I placed {$900.00} on the card for the payment, and Bayview NEVER took it off. ( See Transaction list for Prepaid card, attached ). I called back to Bayview, and XXXX was not available to take my call, so the lady who answered the phone, stated to me the next date for a payment was XX/XX/XXXX, NOT XX/XX/XXXX. This was an error on XXXX XXXX 's part, not mine. The Fresh Start Program was suppose to start with the first payment on XXXX XXXX, and the previous payments for XXXX, XXXX, and XXXX were to be forgiven and added to the maturity of the loan. Before Bayview, as I stated, this loan was with XXXX. We borrowed {$85000.00} in XX/XX/XXXX, and when the mortgage was bought by Bayview, we now owe {$90000.00}. Our interest rate has changed 2 times. Our entire payment has been going to the interest for 8 years. I received a XXXX package from Bayview, and it was my address, but NOT my name, nor the information on my account. It was someone else 's account, and they wanted me to sign it and send it back. This account has been sold at least 4 times, in the past 6 months, and I have NEVER signed ANY paper for any company except XXXX.
Product: Checking or savings account

My account was locked out w/o warning for some large transaction I made for a down payment on a car one whole month later raised as suspicious. Ive sent over all my transactions and proof of car Im currently on a road trip in my car and I have no way to access my funds Ive had over 70 phones calls with agents and supervisors and they keep telling me we will email your shortly its now been 48 hours and Im stranded with no gas or no food at a truck stop, they dont care whatsoever.
Product: Credit card

I am disputing the resolution with previous case number XXXX. 
The dates are wrong the 18 month same as cash purchase for approximately {$700.00} was not in XXXX, it was in XXXX, which is what I have suspected, but was told on multiple occasions, that either that they ca n't get the information, that they do n't have to provide me a history of more than a year.. 
Finally have serval phone calls some one agreed to send me the full history, but instead, it was only the last year. So I had to file a complaint with the CFPB and now I have a fabricated, or creatively generated payment history that does n't match actual purchase, payment plans and dates. 
The 18 Month same as cash program was falsely ended a year early. 
If in fact it was taken out in XXXX, based on the payment chart provided on the explaination letter, this credit would have been paid off. ( in 3 years ), but instead they are claimimg that I still owe the exact same amount, after 3 years of payment. 

I am not making one more payment until I receive a copy of the agreements and poof of purchases for all of items thatI am being charged. 

I want all fees for late payments to be halted for their incompetent billing practices and failure to provide my the relvent proof of charges for the last year.
Product: Credit reporting or other personal consumer reports

Ive had ongoing issues with Experian regarding inaccuracies on my credit report that Ive tried to resolve multiple times. Despite submitting all the necessary documentation and disputing these errors, Experian has failed to properly address the issues. As a result, my credit score has been negatively impacted, affecting my ability to secure housing and a car loan.

I provided proof of payment for a credit card that was incorrectly reported as unpaid, and I disputed an account that doesnt belong to me, but Experian has not corrected the mistakes. Other credit bureaus have resolved similar issues, but Experian has not. Im frustrated that my credit continues to be affected, and I need this resolved as soon as possible
Product: Student loan

My loan service is Nelnet and I try to log into my account but it would not let me log in. also when I go to that log in site, it show me a different service call : " XXXX XXXX  '' when i try to set up an account with them, it ask to put in my information. It tell me that my information is wrong. I also try to call custom service for Nelnet it also tell me that my information in wrong.
Product: Mortgage

The buyer 's mortgage company called me and asked me to move my financing to them. They promised a lower interest rate and quicker closing than the company I was already with. This same company is holding the earnest money of my buyer, not me. I felt pressured by the Mortguage person to switch to them because they said they could make it happen timely and they were in control of the funds. They did a very prompt appraisal of my purchase which came in one day ahead of my buyers appraisal, despite his application being submitted earlier perhaps. When it came time for the appraisal of my sell property, it was done/submitted only a  XXXX  days before closing. This was after my being pressured to pay rent if I did n't vacate ( I told them I needed  XXXX  month after closing to move ), and buying a home warranty. Also, other staff when inquiring about the process in the  Mortguage  office, told me the  appraiser  was aware if the asking price prior to the indpection. The mortugauge  officer  also called me and strongly pressured me to accept the price and close on my sale today  XXXX   XXXX    XXXX  . Also, the appraiser declined to talk with me. Their are numerous errors found within the appraisal. I ca n't help but feel there was collusion between the buyer and mortgage person. This later spilled over between the Mortguage co and the appraiser. Especially when members of the Mortguage co stated the appraiser has prior knowledge of the asking price.
Product: Debt collection

XX/XX/year> SECOND ROUND, LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX \nSubject : Notice of Dispute and Request for Debt Validation\nAccount Number : XXXX XXXXXXXX To Whom It May Concern : I am writing to formally dispute the alleged debt associated with the above-referenced account. I do not recognize this debt, and I deny owing any amount to SECOND ROUND, LP. Prior to this letter, I requested debt validation from the original creditor, but they failed to provide it and instead referred me to SECOND ROUND, LP. Given these circumstances, I am requesting that you validate this debt as required under the Fair Debt Collection Practices Act ( FDCPA ).

Please provide the following documentation : 1.Proof of Debt - A complete and itemized validation of the debt, detailing the amount allegedly owed and a breakdown of any associated fees, interest, and charges. 2.Proof of Ownership - A copy of the
purchase agreement or assignment of the debt from the original creditor to SECOND ROUND, LP to substantiate your authority to collect this debt.

3.Licensing and Bonding Information - Proof that SECOND ROUND, LP is licensed and bonded to operate as a debt collector in [ Your State ].

4.Full Disclosures - Any other documentation in your possession that supports your claim of this debt, including the name and address of the original creditor and any contract or agreement that establishes an obligation for me to pay.

5.Reporting Information - Confirmation of whether this alleged debt is currently being reported to the credit bureaus by SECOND ROUND, LP or if the original creditor is still reporting it. I also believe my rights have been violated through misleading, false, and deceptive representations regarding this debt, which raises further concerns about the legitimacy of your claim. 
Additionally, I would like to inform you that, to the best of my knowledge, the statute of limitations on collecting this debt has expired in XXXX XXXXXXXX XXXX XXXX. If this is indeed the case, you are no longer legally permitted to attempt to collect or take legal action on this debt. 
Until you provide the requested documentation validating this debt, I am requesting that you cease all collection activity related to this account, including communications with me, as well as any credit bureau reporting on this debt. If this alleged debt is currently being reported, you must notify the credit bureaus that it is in dispute. 
Please respond within 30 days of receiving this letter. Failure to provide the requested information will be taken as confirmation that you can not validate this debt, and I will consider the matter a further violation of my federally protected consumer rights.
Product: Mortgage

We were first time home buyers through XXXX XXXX Loans and made our first monthly payment on XX/XX/2021 of {$2200.00} then our loan got sold to Loancare who has since lost our payment and is stating I am delinquent on my account. I have given them all of the information they are asking for and they still have not fixed the issue and keep giving me the run around. This is the absolute worst company I have ever had to deal with. I just want my payment to go through so I can finish paying my mortgage payments on time like I was trying to in the first place. This is ridiculous.
Product: Mortgage

I once owned a home at XXXX XXXX XXXX, XXXX, IN. I moved out my house around early XXXX due to it being placed up for auction while I was working with a company to do a short sale so as to avoid foreclosure even after having the house on the market for months. Litton Loan Servicing led me to believe they were working with the company in this effort. I still had several pieces of property in the house when I returned home to find people in my house saying they had just bought the house in an auction. I became very very despondent and depressed. So now the economy is going up in flames I lose my job about 2 years later and during the time I 'm living in a XXXX bedroom apartment I watched other people get help with their struggles of keeping homes. Programs are developed to help people but I 'm left to eventually filed bankruptcy in XXXX. I did n't think anything of it when people spoke about lawsuits and prime lenders and other things. But i am currently searching for information on my situation resulting from Litton Loan Servicing who held my mortgage. Please assist with any information possible.