23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company claims a debt is new and shows on credit report as defaulting on the debt on XX/XX/XXXX. This debt is old and it was charged off in XXXX XXXX. I am still contacting the original creditor and yet to be contacted back because they couldn't find the information on the credit card only to who it was sold. It has been sold twice to two different companies. The statues of limitations for my state has expired and they have been treating me to sue me to collect this debt.
Product: Credit card

I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''
Product: Mortgage

This is my second complaint. My first complaint has still not been addressed but the complaint was closed. Freedom Mortgage has failed to communicate consistently and correctly involving my covid 19 forbearance. I still have not heard back from their representative that was following up after my first complaint. She said she was going to call me back and never has. Valuable time is being wasted. Today XXXX, I emailed XXXX XXXX that I have not heard back from someone and need someone to call me to help exit forbearance. She emailed back saying she has cancelled my request for a Covid 19 forbearance extension, I did not ask her to do that and do not want that! I need to work with somebody from their team that can consistently work with me and help me find a way to come out of forbearance that does not affect my chances of refinancing in the future and does not cost me more money in the long run had I never gone on forbearance. I do understand my 6 months of missed payments and they interest it would have accrued needs to be paid. I am uncomfortable with making any changes that will have me paying more than that in the long run. I can afford my current monthly payments and have been paying again since XXXX. They have given me a new XXXX XXXX but I can not reach her at her extension, the call just hangs up. I need COVID 19 forbearance protection still until we can come to an agreement on exiting forbearance that meets the qualifications above, which is what I was told before going on forbearance by Freedom Mortgage and the only way I was comfortable going on forbearance.
Product: Checking or savings account

I have no access to my bank account as well af my direct deposit has not been received they are stealing my money
Product: Money transfer, virtual currency, or money service

I made an online money transfer from my bank, XXXX to my cousins bank, Bank of America onXX/XX/XXXX in the amount of XXXX XXXX The money transfer confirmation # XXXX from XXXX. My cousin, XXXX XXXX XXXX, never received the money in his account due to he had reverse to numbers in the last four of his account #. I have disputed this twice with XXXX and in XXXX repsone, Bank of America has refused to return the funds. My cousin, XXXX XXXX has called mulitple times to his bank, Bank of America with no resolution. I do not understand how a bank can make an error like this. do they not verify the account holders name to the account #? 

My cousin was given a reference # XXXX by Bank of America and said this should be no problem.
Product: Student loan

I took out a lone a few years ago to this date {$12.00}, XXXX and have been going through financial hardship and have been late on a lot of payments since last year.
Product: Credit card or prepaid card

I am a victim of identity theft. I have received several bank bills statement from BK OF AMER which was opened XX/XX/2007 with a balance of {$9200.00}.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : **Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have an account with Truist that I cant properly use because the XXXX bank wont process charges that are legit. I called the bank over and over and told the XXXX that I had legit charges but NOOOO they keep getting declined. These charges were made on XX/XX/XXXX and XX/XX/XXXX to XXXX XXXX and XXXX and I told these XXXX I made them and the card still wont work what the XXXX!
Product: Mortgage

My ex-wife ( XXXX XXXX XXXX and I ( XXXX XXXX ) purchased the property located at XXXX XXXX XXXX, XXXX, Ohio XXXX in XXXX of XXXX. We took out an XX/XX/XXXX loan with XXXX XXXX XXXX XXXX ( 80 % ) and XXXX XXXX ( 20 % ) on XX/XX/XXXX. The home was awarded to me by the XXXX XXXX XXXX XXXX XXXX County, Ohio in XXXX of XXXX. I filed a XXXX XXXX  Bankruptcy in the XXXX XXXX of Ohio on XX/XX/XXXX and it was discharged on XX/XX/XXXX Ditech filed a claim for the mortgage in my case and the Trustee made monthly payments for 60 consecutive months to Ditech. There was a house fire XX/XX/XXXX for which there was homeowner 's insurance with XXXX XXXX XXXX. This policy paid {$19000.00} to the lender who was Ditech Financial ( the loan had been assigned to them ). Ditech originally cut a check to a contractor to repair my home in the amount of {$4800.00} which they subsequently stopped payment on when they filed for XXXX  XXXX Bankruptcy. They filed bankruptcy 45 days prior to receiving the proceeds of the fire insurance payment. I made exactly 56 phone calls to Ditech with no response or accounting of the fund. The XXXX XXXXXXXX Trustee also attempted to make contact as these funds were supposed to be sent to him. Regardless, Ditech never used any of the funds to repair my home ( it is still in a state of disrepair and has smoke damage ) and did not credit any of the funds against the mortgage balance owed to them. Additionally, Ditech did not credit any of the XXXX  years of XXXX  XXXX Bankruptcy payments made to them ( the trustee paid the mortgage as a conduit payment ). The Bankruptcy Court issued an order requiring the mortgage lender to properly adjusts the payoff balance- which never happened. Ditech Financial LLC/Green Tree Servicing , LLC assigned my loan to New Residential Mortgage XXXX XXXX on XX/XX/XXXX. I have not received any mortgage statements for three years. My ex-wife has received correspondence from Shellpointe Mortgage regarding the loan but there is no assignment of record in XXXX County, Ohio to this company. 

A foreclosure was filed by Shellpointe Mortgage in XXXX but has never been completed. 

I would like an accounting of this loan all the way back to the beginning. I want to see every expense and charge and every credit for payment made since the beginning of this loan. I want to know what happened to the fire money and what happened to the XXXX XXXX payments ( all 60 of them ). I want to be recognized under appropriate federal loan servicing guidelines as an individual able to receive information on this loan as I have paid on it for years and the property is in my name- as ordered by the Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written XXXX dispute letters to both TransUnion XXXX XXXX XXXX hopes to get an invalid and erroneous account off of my consumer credit file. This account was a credit builder loan that I would repay monthly ( 48 months ) and upon completions my deposit would be returned, and this product helped build my credit. The original account was held with XXXX. This bank is now closed and assets sold to XXXX XXXX XXXX and trust. XXXX XXXX cut me a check for this loan product. XXXX XXXX does not offer credit builder loans and this is why they returned my deposit after XXXX bank closed down. XXXX removed this error after I disputed with them. ( I have proof ) They are reporting ( XXXX ) 30 day late payments on a closed account which is not true because how can I be late if the bank is no longer inexistence? XXXX XXXX Bank, XXXX, Wisconsin, was closed on XXXX XXXX, by the Office of the Comptroller of the Currency, which appointed the XXXX XXXX XXXX XXXX ( FDIC ) as receiver. ) I have every letter I sent to Transunion and XXXX, and they keep giving me the run a round with a reply of not deleted ; or account valid, or send proof of your address, or other stall tactics. I sent them a dispute letter on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX.
Product: Credit card or prepaid card

In response to a complaint about poor customer service, American express responded by closing down multiple accounts that were open for nearly 10 years, with no warning and no explanation.
Product: Credit card or prepaid card

CFPB closed the complaint filed by me related to a Civil case filed by me Case # XXXX. They are avoiding providing information about the discrepancy in the card statements and value provided in their website. 

CFPB seems to be working hand in glove with Bank of America in this corruption. This is the second time CFPB has closed the complaint based on its discretion. 

Please forward the case filed to Bank of America without closing it on your own discretion. 

Bank of America hasn't provided a clear explanation for {$1.00} deposited into my account in XXXX. They have closed the previous CFPB case and provided a resolution letter without a writing anything about {$1.00}. I have opened a California Civil rights case in XXXX XXXX XXXX XXXX and this is related to that Case # XXXX I request clear explanation from Bank of America about {$1.00}. They have deposited another {$0.00} into my account again. ===================== I had opened a CFPB case XXXX with information. Bank of America closed that even after i provided valid data. I opened XXXX which was closed by CFPB. I am opening a new case and attaching the data. I have already shared the password with Bank of America. When I tried to check for any discrepancies in the Bank of America credit card account. The actual balance as per XXXX XXXX statement is XXXX but I notice an extra amount of {$1.00} when I calculate difference between all purchases and all payments. I am attaching the spread sheet that explains the discrepancy. On Tuesday, XX/XX/XXXX, XXXX XX/XX/XXXXXXXX, XXXX XXXX XXXX wrote : Respected Officials, After i replied, there was a XXXX cent deposit into my account today morning. I need proper data about where this interest is coming from and without that i request Bank of America from avoiding resolution to the cases. When a deposit is made, there must be a reference to dispute it is related to. If there is market manipulation in XXXX or USA or any other country that had insiders information about this, it must be investigated. I have an FTC case open XXXX. If Bank of America says that they provided a temporary credit for a dispute, until the dispute is resolved, then why should they charge interest on the expense being disputed. If they indeed received an interest from the merchant then the interest must goto Bank of America. That is the reason i opened the cases and issued refunds. If they claim to provide temporary resolution and gave me the amount disputed then they must not charge an interest on that. To make me sift through their bank statements and file a CFPB case takes time. But closing a case opened saying that they are unable to open a file i sent is not correct. Especially, without officially communicating it to the person opened the case. Bank of America has closed the case the CFPB case XXXX again on XXXX XXXX without any detailed response. So I am logging a new case. They have mentioned that they haven't provided complete details to protect my privacy and they have sent it by postal mail. I request that the company investigate and keep the case open until I receive detailed resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Southeast toyota Finance has continued to report a closed account as being late. All three credit agencies has deliq date of XX/XX/XXXX and XX/XX/XXXX. Due date for this vehicle was the XXXX of each month. I was never 30 days late in XXXX. Confirmation number for XX/XX/XXXX XXXX amount {$900.00} ; XX/XX/XXXX confirmation XXXX XXXX ; XX/XX/XXXX confirmation XXXX {$880.00}. 
I paid off vehicle XX/XX/XXXX with a check from XXXX XXXX. I called them with check number the next day and told customer service lady that i paid it off and got a new XXXX highlander. I also sent an payoff email confirmation XXXX through site on XXXX XXXX and they closed it on the XXXX. I also received a letter dated XX/XX/XXXX that they received payment. I paid off before XXXX payment was 30 days late. I disputed and the late payment on credit report. They came back and put past due no more than 2 late payments. I was never 30 or 60 days late. 
How can i be 30 days late on XXXX payment if i paid off car and received a check from XXXX. I have the letters and all confirmation payment emails that i can prove. No one from credit bureaus or the company will help. I have to stay on hold for 20 mins just to be disconnected. Please remove off report. I am XXXX XXXX and this is hurting me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the bureaus since XX/XX/XXXX inquiries that I never approved of. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 Creditor : XXXX XXXX XXXX XXXXXXXX. added a derogatory mark on my credit report per XXXX XXXX Upon, further research, this account was transferred/sold to a LVNV Funding LLC with the Resurgent Capital Services and I am no longer responsible for the account. Debt collection agent has threaten me to pay and without my knowledge of legal rights. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX XXXX has violated my rights as a consumer on two accounts and I am requesting legal action on both accounts to remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX
Product: Student loan

I attempted to call Mohela on XX/XX/year> asking for the status of my refund, as I am a class member of the Sweet v. Cardona lawsuit. After calling the department of education, Mohela gave me no update, was unable to tell me when the check was coming, and also told me that the original 90 day deadline is actually 90 " business '' days. I would just like to know when the refund check is coming my way and what the hold up is. The deadline, per the lawsuit, was XXXX XXXXXX/XX/XXXX, so regardless of the " business days '', they are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several complaints here and via certified mail. The investigation took more than 30 days and they refuse to remove the data. By law it is supposed to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'll never live at the following addresses this is incorrect : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please delete the following incorrect employer : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi Experian Business Management. I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian Business Credit Report. I've discovered 4 fraudulent UCC1 's on my Experian Business Credit Report. The California Secretary Of state have deemed all 4 UCC1 's Fraudulent on my Experian Business Credit Report by issuing 5 UCC3 's Terminations attached to this email supporting the claim of all 4 UCC1 's on XXXX XXXX XXXX XXXXXXXX, Experian Business Credit Report are fraudulent. All 4 UCC1 's on XXXX XXXX XXXX XXXX Experian Business Credit Report are fraudulent, and inaccurate information.
Product: Debt collection

We sent back XXXX XXXX XXXX equipment on XXXX XXXX and XXXX XXXX XXXX received the equipment a day later on XXXX XXXX. Debt collector started calling me on XX/XX/XXXX a few times a day. Finally I answered the phone on XX/XX/XXXX. Told them that I do n't owe anything, I sent the equipment back to XXXX XXXX XXXX and they should contact XXXX XXXX XXXX. Told them to stop harassing me. Instead of contacting XXXX XXXX XXXX they kept harassing me by calling a few times a day. On XX/XX/XXXX I answered the phone and told them the same thing again. Then I got a letter from the debt collector to pay or dispute. Which I 'm disputing it. I called XXXX XXXX XXXX again just to make sure that I did n't owe anything, which I do n't.
Product: Checking or savings account

CITIBANK SOLD THIS ORIGINAL CHECK AS A SECURITIES INSTRUMENT AND MADE PROFITS, IM TRACKING IT DOWN RIGHT NOW, AND THEY CLAIM I OWE THEM? YOU GOT TA BE OUT OF YOUR XXXX XXXX  MIND, I HAVE THE RIGHT TO KNOW WHAT ALL THESE NUMBERS ARE AND WHERES THE ORIGINAL INSTRUMENT WITH MY WET INK SIGNATURE, BUT XXXX WANTS TO PLAY WORD SEMANTICS WITH ME AND USE DISTRACTIONS, THERE IS NO VARIFIED CLAIM FROM A COMPLAINING PARTY, AND NO ''BILL '' WHICH WOULD DEFINE ''SOMETHING OWED '' MANY MANY TYPES AND COUNTS OF FRAUD GOING ON RIGHT HERE FOLKS AND I HOPE PEOPLE LEARN FROM THESE COMPLAINTS OF THESE XXXX XXXX XXXX XXXX. SO WHY IS THIS CHECK BEING TRACKED TO A FINANCIAL INSTITUTION IN XXXX? LOOK UP NUMBER XXXX, AND ITS NO COINCIDENCE BECAUSE I HAVE OTHER CHECKS THAT TRACE BACK TO XXXX ALSO AND IM INVESTIGATING THIS FRAUD, LOOK UP ALSO XXXX,, ANOTHER CHECK TRACED TO XXXX, HERES THE LINK http : XXXX
Product: Debt collection

I have three that are on my consumer report from Account Resolution. The amount of the the accounts are {$56.00}, {$200.00}, and {$150.00}. Account Resolution did not produce an agreement between the said company and I that authorized the company to collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging Account Resolution to provide the agreement under penalty of perjury. 
Failure to provide such information is also considered identity theft. I've never given this debt collector any of my personal information to report to any for financial gain. Account Resolution attached a verification letter, but failed to state that I had 30 days to dispute the validity of the debt which violates 15 usc 1692g ( a ) ( 3 ). Account Resolution also said that another company " referred '' the alleged debt. Any referral is also considered false and misleading pursuant to the FDCPA 15 usc 1692e ( 6 ) ( B ) Again, where is the contract between the company I? A sale, transferal, nor referral subjects me to any unlawful act under the FDCPA. No company can collect without an agreement. I would like to bring to the company 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Pursuant to 15 USC 1692c ( c ), I demand Account Resolution to cease and desist all communications including the removal of all accounts that the company alleges that I owe. The company 's failure to follow my cease and desist order will lead to the pursuit of remedy for all injuries against me pursuant to 15 usc 1692k. I will be sending my invoice along with my Affidavit of Truth to Account Resolution stating all facts which includes each violation and the damages that you have caused me.
Product: Credit reporting or other personal consumer reports

I sent disputes to TransUnion, XXXX, and XXXX regarding inaccurate information being reported on my credit report. In these disputes, I specifically listed the accounts in question and clearly outlined the violations being made to my consumer report. 

It has now been over XXXX  days since those disputes were submitted, and I have not received any response from these credit reporting agencies. I am attaching copies of all letters that were sent for your reference. 

This company has violated the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( b ) by failing to mark this disputed account as disputed on my credit report. 

I request immediate action to rectify these issues and ensure that the disputed account is properly marked as disputed on my credit report. I expect a prompt response to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX in the original debt collector was XXXX XXXX XXXX XXXX XXXX XXXX this account was closed due to it being old and it was sold to another collection agency and their prices arent matching. Their original creditor was requesting {$920.00} and the company they sold my information to without my consent is requesting I pay them XXXX I also have requested the company that bought my information without my consent to show me the original contract showing that this day is mine, and they also have not given me that information even though I show them that the information is incorrect, they keep saying its verified when you can clearly see its not.