23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was transferred to SLS from XXXX XXXX ... upon transfer my covid forbearance escrow that was previously spread over 36 months was changed to being spread over one year ( a default period ) and my payment just went up by XXXX!! The payment was automatically made as I'm on autopay. I called in and apparently they said they would fix it back to 36 months going forward. ( which I don't know if that has happened ) However, I would like to request a check back for the over-payment in XXXX of {$500.00} as this was not my fault but an error in the SLS system arranging the escrow over a year by default and not by my forbearance plan. Upon requesting this they acted very put-out and I was sent to a supervisor. I was then put on hold for about an hour and finally hung up on after the supervisor heard my story. So I then called back in, waiting another half an hour for a supervisor and hung up on again. I tired sending a secure message through their online system which received a canned response with no way to reply. SLS has a terrible system for communication. It seems like it's designed for customers to not reach a live person who can help. And when an agent gets a tougher situation which may take some effort to fix, they just hang up.
Product: Student loan

I attended XXXX university online based out of XXXX, florida which is now closed I believe. I have XXXX loans through university accounting services or UAS, which was formerly XXXX. XXXX of the loans was reduced due to school being bought, filing bankruptcy and the other never was. im being told and I think that I should not be held responsible and have to pay for these loans and have them reported to my and cosigners credit as my degree is not considered valid and I can not or have not obtained a job in the field I so called graduated in. please help. I also have my federal loans deferred while waiting on the courts decisions on loans being discharged due to the school being a horrible school and no validity with the degree or classes I took.
Product: Mortgage

I sumbmited a complaint on 21 st mortgage THERE RESPONSE WAS THAT WE SINGED THE CONTRACT. THE CONTRACT SIGNED WAS FORGED BY XXXX XXXX IT WAS A FORGERY!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX ACCOUNT NUMBER XXXX PURCHASE XXXX 2010 WE DID NOT SIGN ALL OF THIS CONTRACT I HAVE THE PAPERS SHOWING A FORGED SIGNATUREW OF MY NAME!!!!! PLEASE RE CONTACT THE M THEY NEED TO SETTLE THIS COMPLAINT WE WANT SOMEONE TO CALL US!!!!!!!!!!!
Product: Debt collection

After receiving the response to my complaint sent by CFPB ( XX/XX/year> ) to LVNV Funding LLC. I demand the immediate closure of this collection, not only for lacking legal evidence, but also for demanding and forcing payments for an account that lacks receipts. This practice is not only illegal but very harmful and punishable under the consumer abuse act. 
The information provided by the collection company in response to my complaint is not only irrelevant and inaccurate, is an insult and evidence that he is trying to harm me with his malpractice and as such it is illegal based on the documents they have against me, to continue to claim a collection without legal receipts on a debt that does not belong to me and constitutes an illegal practice under the consumer protection system. Its is illegal as it is based on monthly activity statements, sent by the original creditor to an address that was not associated with me on the dates of those statements, and not on any original documents from original creditor to prove any legal agreement between me and the company that included but not limited, any, contract acceptance agreements with my signature and date of acceptance, proof of receipt of the physical card mailed address delivered, verification of purchase receipt plus signatures, ID or Driver Licenses associated with the physical card, bank receipts associated with monthly payments to named account, or any other form of legal verification document to support their claim.
Product: Bank account or service

On XXXX XXXX, I had a balance of {$110.00}. I had XXXX transactions for {$120.00}, {$17.00}, and {$5.00}. Instead of clearing the smaller items, Bank of America charged me for XXXX overdrafts, at {$35.00}. I know Bank of America uses an algorithm which sends the highest amount through XXXX, and then, instead of paying the smaller items, they charge {$35.00} each. On XXXX XXXX, I had XXXX deposits totaling {$1200.00}. I wonder when this small window of opportunity allowed the Bank to charge me {$100.00} for overdrafts, when I have a positive balance.
Product: Debt collection

We had to declare bankruptcy in about XXXX or XXXX. We were then told to try to build our credit back up a little at a time. So, we took out some preapproved credit cards. Not realizing that the finance charges were so unfair. Then my husband was badly hurt at work. At about the same time. He is on social security XXXX. I have XXXX and it is well documented. Anyway, that was a long time ago. And I told them we absolutely had no money. The man on the phone cussed at me, he called me a liar and he sounded like I had taken money from him personally. Anyway I refused to make any kind of payment plan as we did not know what was going to happen to my husband. He could not ever be fixed. He can not read. He only knows hard labor and he can not do that. I only got my card because it was preapproved. It was XXXX XXXX XXXX. I tried to make payments to XXXX XXXX but simply was not able. Now, a place called Love, Beal, and Nixon has a lien on our place for almost 3 times what was ever owed. The info I have on them is that they can not make a living as real lawyers so they pick up these old debts and they try to scare you or badger you until you pay it. They are based in XXXX XXXX OK, XXXX. XXXX XXXX, XXXX phone # XXXX XXXX XXXX XXXX filled out the lien. XXXX XXXX XXXX, XXXX, # XXXX, XXXX XXXX XXXX # XXXX are supposed to be the lawyers. It has been so long since I even had a credit card or a bank account. I just want answers. I want to talk to the original place, XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I took out two loans from a Regional Finance on XXXX XXXX in XXXX Alabama. I was close to paying off the first loan, but was having legal troubles and had to have more money, so they approved me for another loan. According to HJR 192, I could have discharged the debt if I had a bill of exchange or payment coupon to endorse with my beneficiary signature and UCC codes, such as : UCC 1-308, 3-603, 3-104, 3-306, 3-311. They kept sending ledgers of the total amount of approximately {$7000.00}. But I couldn't find all of the information on the ledger necessary that would have made it a payment coupon. HJR 192 states that there can be no payment for debts because the gold standard was suspended. Debts can only be discharged into a perpetual cycle. The U.S. can not pay their debts thus other debts can not be paid either from the people.
Product: Mortgage

I was expecting that I will have a fix payment. I notice an e-mail from Amerihome Mortgage related to the COVID19. When I logon into the page I saw that there were a message saying that something changed when I go through the notifications and my statement I saw an increase in my mortgage payment over {$400.00} and it says that it is due to my escrow balance. I got my homestead exemption and the insurance increases few dollars. Im just surprised and I just can not afford an increase of {$400.00} I just cant afford it so I need that this bank listen and review and research and adjust my monthly payments in a timely manner because I dont want to lose the house. Im not trying to play violins with a drama story but get this house was very difficult, even using a county down payment that I cant payback in the next 6 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported a security breach making me vulnerable to identity theft. The only method to completely protect myself was to place a freeze on my personal information on all four credit reporting agencies. This has cost me {$31.00} and ten hours of my time so far and will likely increase after temporary freeze expires. I feel I should be reimbursed for this. This breach was totally out of my control.
This is not the first time a security breach has resulted in my personal information being exposed. It is past time for regulatory agencies or Congress to fix this permanently - credit reporting needs to be secure - I should be able to lock down my personal information with something other than my social security number and birth date.
Product: Credit reporting or other personal consumer reports

I have rights under 15 USC 1681. 

According to 15 USC 1681 : I have the right to privacy I did not give Experian written permission to furnish these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( which appears twice on credit report ) I demand the accounts listed below are removed due to fraudulent activity from ongoing identity theft as my legal team provided further investigation on their end with proof ( which was sent ). I have disputed with the creditors and Experian credit bureau in XXXX XXXX  and XXXX XXXX  I demanded method of verification on XXXX  and I have not yet received this beyond the 15-day timeframe. They are unable to verify because this is fraudulent which by law requires for these creditors to be removed from my credit report immediately.
Product: Checking or savings account

I had what I now know was not the fraud dept text and call me to verify some transactions that were pending. The were visible at the time as pending. The person knew my exact amount in the XXXX accounts and how to process an account closure and send funds to the new account. I sent XXXX transactions of {$2700.00}. XXXX and {$1300.00} on XX/XX/year> this was my whole XXXX paycheck for the month. They then said to logout and the new account will appear with my money in XXXX minutes. They also said that for XXXX my new cards would be sent out expedited.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is selling information to Experian and XXXX that is inaccurate. There are several late payments that concern me. I have equitable interest in my financial asset which is the contract. Therefore I can not be late when the interest every month should settle the balance due. Experian and XXXX are then taking the information and damaging my consumer reports with this information which is causing me harm. Any open ended consumer credit plan can not be late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXXXXXX XXXX XXXX XXXX
Product: Credit card

I have been a Capital One customer for many years. This month they did not send me a statement in the mail as they have always done. When I called them the first time over a week ago they said they had mailed one, but, when I called again about a week later they admitted that they had changed my account to Paperless Billing. I did not request this and do not want it, and it is my understanding that it is illegal for a company to do this without notifying the customer and allowing the customer to choose paper billing instead.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX : Final Request for Deletion of Inaccurate Charge-Off - Account- # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX ] To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Despite my previous communications and the evidence provided, this inaccurate charge-off remains on my credit report. I have provided a 1099-C form which confirms that the debt associated with this account was cancelled. According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ), you are required to ensure that only accurate and verifiable information is reported on my credit file. The continued presence of this charge-off is inaccurate and non-compliant with the law.

I have previously requested the method of verification and supporting documents as per FCRA 611 ( a ) ( 6 ), but have not received an adequate response. This is my final request for the removal of this charge-off. If you do not comply, I will escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for noncompliance with the FCRA.

Please remove this charge-off from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file.

Thank you for your prompt attention to
Product: Credit reporting or other personal consumer reports

I am sending to notify you that the following companies have made unauthorized inquiries into my credit report. The companies and the corresponding inquiry dates are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I trust this message finds you well. I am writing to express my deep concern and frustration regarding the ongoing presence of fraudulent items despite our repeated attempts to address this issue. Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued infiltration into our system. 

I urge you to conduct a comprehensive review of our fraud detection and prevention measures to identify any systemic weaknesses or loopholes that may be exploited by perpetrators of fraudulent activities. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. 

Additionally, I urge you to prioritize staff training and awareness programs to ensure that all team members are equipped with the knowledge and skills necessary to detect and respond effectively to fraudulent activities. XXXX accountability measures should also be established to hold individuals responsible for any lapses or oversights in this regard. With this, I am asking for your assistance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXXXXXX XXXX XXXX  ACCNT # XXXX 30 days late in XXXX XXXX 60 days in XXXX XXXX 90 days in XXXX XXXX 120 days in XXXX XXXX 150 days in XXXX XXXX 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit card or prepaid card

I have had several problems with my Chase Credit Card XXXX and asked that the account be closed after Chase charged me an annual feel of {$99.00} on XX/XX/XXXX. I sent an e-mail telling them to close the account and to issue the credit. They closed the account but they tell me the credit will not be issued for 2 billing cycles ( 2 months ). I have sent several e-mails telling them to issue the credit but so far, nothing is happening. I can not formally dispute the charge on my account as the account was closed on XX/XX/XXXX. I want the {$99.00} removed and do not want to incur any interest as I'm not going to pay the {$99.00} reflected as a balance on this closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not removed 30 day late due to national disaster XXXX XXXX XXXX has stated on credit report due to national disaster XXXX Equifax XXXX  XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I noticed unauthorized inquiries which are negatively impacting my credit report.
Product: Checking or savings account

This is the second time in one week this has happened. 
I put a stop payment for XXXX and the funds still came out of my account for {$310.00} and I was charged {$20.00} for the stop payment fee. I am protected by the FDIC which my deposit insurance protects me as a customers in the event that an FDIC-insured depository institution fails. Bank customers dont need to purchase deposit insurance ; it is automatic for any deposit account opened at an FDIC-insured bank. Deposits are insured up to at least {$250000.00} per depositor, per FDIC-insured bank, per ownership.
Product: Credit reporting or other personal consumer reports

On ( XX/XX/2024 ) I sent an Identity theft letter to ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). I have not received a response nor has ( XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ) complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that was mailed on ( XX/XX/2024 ) and an updated FTC identity theft report. To my understanding, according to FCRA, debt collectors have 30 days to respond to disputes and request made by the consumer. ( XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ) have not made one call, or sent one letter in regards to disputes I've mailed to them. This is a direct violation of FCRA Section 611 ( A ) ( 1 ). Which is punishable by up to {$1000.00} in fines per violation. If any disputes per the consumer request are not met with proof or verification within the requested and lawful amount of time, this account is to be deleted from the the consumer 's report, as by lack of response and documentation requested it signifies that this account is unable to be validated or verified. This Lack of validation per the consumer request is in direct violation of FDCPA Section 809 ( b ). Attached are the letters I sent plus my updated identity theft FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for this vehicle loan with the help of the sales agent, XXXX XXXX. The entire deal was sketchy but the outcome was promising. I do not have a driver 's license and I was told " Come back tomorrow and you will ''. I was also told, " The manager doesn't like to move forward with a fake driver 's license because he doesn't want to mess up our relationship with a lender, but we do this all of the time ''. The total downpayment was XXXX. I was told that I could pay {$1500.00} on my initial visit and on my next payday I could pay the remaining {$500.00}. I was also told that I would get a " welcome call '' that Thursday and that I was to tell the lender that I paid the full {$2000.00}. I informed XXXX that I was not comfortable with that and I would try to make the remaining payment before the welcome call. On the first day of test driving the vehicle, the brake fluid light came on. I informed XXXX and he had his maintenance team work on the issue. On the second day of having the vehicle, the check engine and oil light came on. I notified XXXX and he told me that I could take it to their repair shop in XXXX. I took it to the XXXX XXXX to have a maintenance check on it. I have a repair estimate sheet dated XXXX that list many different issues 1. pump replacement 2. oil change 3. brake fluid exchange ( this was not fixed on day one they just turned the notification light off ) 4. engine air filter replacement 5. cabin air filter 5. oil cap is leaking. I sent XXXX a picture and he gave me the car shop number in XXXX to call. I called them and they informed me they were a third party and do not speak with customers directly. I informed XXXX and he told me it would be best if I came to the shop and spoke with the manager XXXX, who was out at the time until Monday. I went to XXXX  and provided XXXX with the Repair estimate and he was very unhelpful and rude. He stated that XXXX only wanted money from me and that the Repair Estimate was false and that they will get the lights off. I informed him that I did not want the lights off but the vehicle fixed. He told me it was a used car and there would be problems. I informed him that is understandable but I would rather purchase a used vehicle with minor problems that don't classify it as a lemon. XXXX interrupted, walked me outside, and said that he will accompany me to the XXXX location that weekend for maintenance. on XX/XX/XXXX I messaged him after he was a no-show and informed him that I was returning the vehicle on XX/XX/18, which I did. I returned the vehicle on XX/XX/18 and no longer have it yet I am still receiving collection calls in an attempt to collect. I informed XXXX and they called the XXXX  and they stated that I have the vehicle but did not pick up the plates. I did not pick up the plates because I do not have the vehicle. I never intended for them to be deceptive and not report that to the lender or they are forcing me into a vehicle I do not wish to purchase as an investment. I have attached the estimate repair and the message thread between XXXX and I.