23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

If SmithDebnam does not answer to this complaint honestly and truthfully, or deceptively do not answer to this factual allegation, I will report you to the NC XXXX XXXX, SmithDebnam, a lawyer, tried to collect the wrong amount over and above ( XXXX ) what XXXX  have been trying to collect ( {$23000.00} ) unlawfully and had their lawyer send me a letter that was unlawful. 

This is illegal and they have violated my rights! 

It is clear that they have been reporting one amount to the credit bureaus, and another amount they had their lawyer send me a debt letter demanding money that is over XXXX more than what they originally have been posting! 

SmithDebnam is out of control please help!
Product: Student loan

on Mohela web site I made a payment of {$9600.00} on XX/XX/year> and they send me confirmation cod by email and that payment was on their website like processing status next day but on Friday whole payment is missing no history not applied to my loan and that amount is withdrawed from my bank account
Product: Mortgage

Subject : Complaint Regarding Amerihome Mortgage Company - Multiple Regulatory Violations Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Amerihome Mortgage Company regarding multiple violations of federal mortgage servicing regulations and the Real Estate Settlement Procedures Act ( RESPA ). I am currently working as a defense contractor stationed in XXXX, which significantly impacts my ability to utilize alternative payment methods. 

Primary Issues : Payment System Access and Late Fee Assessment During an active loss mitigation application process, Amerihome disabled my online payment portal access. Despite my agreement to make an XX/XX/XXXX payment, the servicer has provided no secure means to do so. My position as a defense contractor in XXXX makes alternative payment methods impractical or impossible. On XX/XX/XXXX, Amerihome incorrectly marked my account as past due despite their failure to provide payment access. Multiple attempts to resolve this with representative XXXX XXXX ( ID # XXXX ) on XX/XX/XXXX and other dates have been unsuccessful. She promised she would obtain a deferral for XXXX and get my online account access reinstated. Today I found out that my account was reported 30 days late to the relevant credit bureaus despite a promise of a deferral due to not having a means to pay. 


Unauthorized Address Changes and Communication Issues Amerihome unilaterally changed my mailing address without authorization Despite written requests to correct this error, they have refused to reinstate my correct mailing address This has resulted in my inability to receive important loan communications Potential Regulatory Violations : 12 CFR 1024.41 ( c ) ( 2 ) - Failure to properly evaluate a complete loss mitigation application 12 CFR 1024.38 ( b ) ( 1 ) - Failure to maintain proper policies and procedures to provide accurate information regarding loss mitigation options and facilitate payments 12 CFR 1024.36 - Failure to respond appropriately to requests for information 12 CFR 1024.40 ( b ) ( 1 ) - Failure to provide continuity of contact and access to personnel to assist with loss mitigation options D.C. Code 26-1114 - Potential violations of District of Columbia 's mortgage lender and broker requirements regarding fair dealing My location overseas as a defense contractor creates unique circumstances that Amerihome has failed to reasonably accommodate, particularly regarding payment methods. Under RESPA and Regulation X, servicers must maintain policies and procedures reasonably designed to facilitate payments and provide accurate information to borrowers, regardless of their location. 

Requested Resolution : Immediate restoration of online portal access Removal of any late fees or negative credit reporting related to the XX/XX/XXXX payment Correction of my mailing address in their system Written confirmation of these actions All communications with Amerihome have been documented and can be provided upon request. I've also included my LOA to verify my employment overseas.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I received a bill from a collections agency, XXXX XXXX XXXX. I began calling them to inquire about the nature of this bill for {$1800.00}. 
Over the phone, they said its for your apartment and I informed them that haven't had an apartment since XXXX or XXXX and that I didn't owe anything to them. 
I am a XXXX XXXX and I lived in Grandparent 's property rent free to care for them for more than 10years.. I sent a certified letter in XXXX to the company asking them to provide me with details- who the bill is from, when the bill was created, signed documents with my signature, a lease agreement, etc. I got nothing. I then XXXX and reached out to the apartment complex they were naming where the property manager stated that there was no information with my name on it and that I needed to contact XXXX XXXX again. 

XXXX XXXX  sent me a letter dated XX/XX/XXXX asking ME for more information and said that they have yet to find sufficient evidence to validate my claims. They said that if I provide more information that helps my case, they will delete the items from the bureaus. I don't even know the details of this charge so I have nothing to send. They also provided me a copy of a bill where they put my current address, XXXX XXXX XXXX on it. I have lived here for 3 years and I don't pay rent, the home belongs to my Aunt so there is no way I could owe for here. Prior to this, I lived in XXXX, GA. 
I then sent letters to the bureaus asking how they validated the info and they replied saying " It was verified '' with no explanation as to how. My complaint is against the credit bureaus who have failed to remove the item and failed to prove how they verified the item.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding the unverified negative account on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of this item.
Product: Student loan

I have been contacting Mohela since last XXXX. They lost my payments made to Fed loan services, when they put me on the safe program my payment doubled without explanation. I requested in XXXX for a live person to contact me because I could not get a straight answer through the form letters they sent when you write a complaint, they called me in XXXX they had no access to my account or my paperwork. Loans I have paid off that are over XXXX XXXX XXXX are reappearing on my credit and lowering my score. They are being reported as brand new loans even though they have been paid off since XXXX. Their latest transition, The main Mohela side stated that payments would be canceled until XXXX. The new website requested a payment in XXXX when people had not transitioned yet to the new website. It was also said if you paid at the old website it would take up to XXXX days for that payment to be found and applied to your account I then received a financial statement that my payments are going up from {$260.00} to {$2000.00} a month. I am also PSLF and should be down to my last XXXX payments but now the system says I owe XXXX more. I would like to have a person who actually knows what they are doing contact me as my account already as several payments are missing. my loan starts in XXXX so I've had them for XXXX  years, and figure out a way to fix my income driven repayment or save program because there is no way that {$2000.00} will ever be paid monthly that is literally 50 % of my income. Everything stated here is something I have written or called about every single month for at least 10 years and I can never get this fixed.
Product: Debt collection

I received a letter from The Law Offices of XXXX XXXX XXXX XXXX originally dated XX/XX/XXXX stateing the firm is the Current Creditor and a Judgment has been entered against me for {$10.00}, XXXX I have already responded to this Old Credit Card Debt from the XXXX, a debt from which I do not owe. 
The Neuheisel Law Firm filed a Levy with the XXXX Sherifs Dept. on or around XX/XX/XXXX I worked with the XXXX  XXXX XXXX of the XXXX Sherifs Dept. to have the levyed funds returned and the Case of Levy dismissed. 
I never owed this debt, and will now seek Legal representation to defend myself against this debt collector and request the court for 30+ years of damages. 


HISTORY : This is an old debt of 30 years ago originally known as XXXX XXXX XXXX. The debt was not mine, however I have been fighting this for all of these years. 
XXXX XXXX XXXX XXXXXXXX collected the debt. from XXXX XXXX of XXXX was aquired by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered in to Chapter XXXX on XX/XX/XXXX. 
The Neuheisel Law Firm filed a Levy with the XXXX Sherifs Dept. on or around XX/XX/XXXX The XXXX Sherifs Dept. released the levy and returned the funds on or about XX/XX/XXXX There are currently hundreds of complaints filed to the CFPB in regards to ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX The Law Offices of XXXX XXXX XXXX XXXX The Neuheisel Law Firm.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a XXXX  determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear ELAN, FINANCIAL : Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances.

surrounding your review of my XXXX credit report, XXXX, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date : XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Remove all unauthorized hard inquiries per 15 USC 1681c-2. They harm my credit.
Product: Mortgage

I began refinancing my home with XXXX XXXX on XX/XX/XXXX. I was told by a XXXX XXXX representative it would take about 30 days ; so therefore I should n't make my XX/XX/XXXX payment because it would be covered in the payoff check. On XX/XX/XXXX I was notified by XXXX XXXX that Carrington Mortgage would not send the payoff amount for 30 days. I attempted to make my XX/XX/XXXX payment on XX/XX/XXXX to avoid being late. I was n't notified by Carrington until XX/XX/XXXX that my payment had not been received. So I tried again, using a different bank account, to make my XX/XX/XXXX payment over the phone to avoid being late. Again Carrington stated they were not able to process my payment. I requested the information from Carrington today XX/XX/XXXX to send me the information I input into carrington automated system. Carrington is stating that I must have said or entered the wrong information into the automated system. I remember vividly having my checks in front of me as I typed or stated my account number. I have pleaded with Carrington endlessly to remove the late payment off my credit report and they refuse. I asked for the once a year late payment be removed and they said no. I believe Carrington did n't report the information fairly. If I had been notified immediately the check was n't processed in a timely manner I would have paid it again. It surely does n't appear to be fair to me the consumer because they have an out dated automated system. When I finished paying my payment I received a conformation number stating payment was received. If the automated system could n't find my bank because of bad routing number or a bad bank account it should n't have sent me a confirmation notice stating my payment was received. Most automated systems wont allow you to put in incorrect information and send you a confirmation rely stating they received the funds, when they didnt.
Product: Mortgage

XX/XX/2022 Dear Sir and/or Madam I have been trying around the clock for XXXX days to submit my complaint. Despite, advice from numerous representatives, every time I submit the complaint your system erases it, and saves failure to submit. I am XXXX, and spending XXXX hours a day for the last XXXX days trying to submit my application. I am in danger of losing my home, but I can not physically keep up with this process. Please send me an email with a fax number so that I can submit my complaint. Thank you! Kindest regards, XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I was contacted by The Student Loan Help Center in XXXX 2016 advising me that that could help lower my monthly student loan payment from {$220.00} to {$54.00} monthly. I was told that there would be a fee of {$590.00} which I could pay in installments over a three month period. Which was {$190.00} for XXXX, XXXX and XXXX. When I receive notice from XXXX Student Loan payment repayment in XXXX that a loan repayment where {$350.00} When I contacted TSLHC advising them that my payments were not {$54.00} but {$350.00}. They advised that they had forward my work to XXXX there was nothing they could do.
Product: Credit card or prepaid card

I received a US Bank XXXX  payroll card from my employer. I am XXXX and use a special landline service for TTY calls, closed caption. Due to my XXXX, I do not have a cell phone. US Bank is refusing access to my account without a cell phone number for verification. I have filed multiple complaints with US Bank over the phone and in writing. There has been no resolution for nearly a month. With this block, US Bank is refusing access to my funds, funds balance, the ability to set the PIN number, refusal to withdraw funds, refusal to allow me to use the debit card, and so forth.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I ordered my NCTUE report using the automated system, I was mailed to separate reports with different confirmation numbers. 

On XX/XX/2022 I attempted to order another NCTUE report to get an updated report, but NCTUE could not find my information on the automated system. So I called NCTUE and was told to fax my ID, which I did and asked for an updated report. I have received NO report, and the automated system still does not recognize me? 

I will include the XX/XX/2022 ID fax that was never answered.
Product: Debt collection

Trellis company is insistent they i owe for two student loans in the amount of XXXX and XXXX dollars respectively. However, not only have i never procured a loan from this company or any other student loan guarantor, I have never been a student, considering I began to serve in the U.S. military directly after my high school tenure and have remained XXXX since XX/XX/1998, thus proving that I have not been a student since XX/XX/1998, and could not have applied for any student loans. I have contacted the US Department of Education, the local police, and the ftc in regards to this matter. This company is tarnishing not only my good name, but my hard earned credit worthiness as well by placing this fraudulent account on my credit profile.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees apply to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delay, postings of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB which identify similar practices by Navy Federal where are transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : [ Account ; XXXX XXXXXXXX XXXX XXXX  account number ; XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

I XXXX XXXX did not authorized XXXX to ACH {$5300.00} dollar from my checking account. I reported this to Huntington bank ASAP on the day it was taken out of my account and yet they still have refused to do any fraud report and return my money. 

As of today XX/XX/2024 I have yet to get my money back. 

I reported to Huntington bank on XX/XX/2024 the day it was ACH out of my account and I still have yet to get my money back. 


Huntington bank send me a latter to sign which I have send back and yet still have not heard anything back. 
Please look into this and get me my money. 

Bank Account XXXX
Product: Credit card

My Discover account was included in my bankruptcy filing back in 2010. Unfortunately, Discover has failed to honor the terms of that agreement ; they have consistently reported a past due amount to the credit bureaus even after I 've contested this matter via the credit bureaus and communication to their reps.
Product: Credit reporting or other personal consumer reports

I currently have a XXXX account, but on my credit report, its showing that i have a collection account from XXXX in collection. Per 605b, this account does not belong to me and is a fraudulent account. Please start an investigation and delete this account from my credit report. 
The company that is reporting is the following : ( 1 ) MRS XXXX Account Number : XXXX Date opened : XX/XX/XXXX Amount : {$3200.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$7900.00}
Product: Payday loan, title loan, personal loan, or advance loan

Loan for business capital. Only documents I received were signature pages. Text correspondence ( that I still have ) confirmed that I could pay loan off with interest forgiven. Was told the interest was high, but would be lowered " way down '' by an early payoff. 
Tried to get payoff quote today and was informed it would take XXXX on a XXXX dollar loan to pay it off. I was grossly mislead by a third party securing this business loan.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Comenity BankXXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN INFORMATION SOLUTIONS INC. claims to need my authorization to proceed with my block demand. However, without my authorization and consent placed a fraud alert after receiving my FTC report dated XX/XX/XXXX. This further proves that EXPERIAN INFORMATION SOLUTIONS INC. acknowledges fraudulent activity, however ; they failed to address the points in my report within 5 business days of receiving the report on XX/XX/XXXX. EXPERIAN XXXXNFORMATION SOLUTIONS INC. does not know who I am yet they compile and furnish my nonpublic personal information without permissible purpose for their own financial gain which is inequitable for me as the consumer. I have provided and have reattached the necessary documentation for demanding a block of my information. 

In addition, the 6 fraudulent alleged accounts are not even reporting accurately. As you can see they do not have accurate payment history because payment history does not even reflect from when these alleged accounts even opened. As you can see the alleged accounts were allegedly opened on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but do not have such payment history before XX/XX/XXXX. The alleged accounts based on Experian Information Solutions INC. 's rubric for payment history reports as data unavailable for the year of XXXX up until XX/XX/XXXX which proves they are reporting information that they have not validated and have no knowledge of. Then after reporting data unavailable have the alleged accounts reporting in collection and never reflects being allegedly late. In order for any account to go into collections, it would have to be late first. As you can see the alleged accounts have been reporting as closed and in collections so why is payment history still reporting to the alleged account. 

As a result of EXPERIAN INFORMATION SOLUTIONS INCs inaccurate reporting on my consumer report, I have been subjected to higher than normal interest rates and fear of applying for credit because of potential to be denied based on being portrayed as not being credit worthy.
Product: Money transfer, virtual currency, or money service

I am writing to express my utmost frustration and dissatisfaction with the current situation regarding my Square account. i got informed by square that my account has been deactivated without justifications with my square balance totaling {$41000.00} being held for a period of 90 days and right now its been over 12 months without getting my funds released. 

Despite numerous attempts to resolve this issue through square customer support channels, I have encountered nothing but delays and inadequate responses. The lack of transparency regarding the reasons for withholding my funds only exacerbates the situation and leaves me feeling powerless. 

I urgently request the immediate release of my funds in full. Additionally, I demand a detailed explanation for this unwarranted withholding and assurances that measures will be implemented to prevent similar incidents from occurring in the future. 

The impact of this hold on my business can not be overstated, and it is imperative that this matter is resolved with the utmost urgency. Failure to do so will force me to explore other options to protect my interests. 

I trust that you will prioritize this complaint and take swift action to rectify the situation. I await your prompt response and the release of my funds.