23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Amount : {$170.00} My husband and I have been receiving calls from Genesis for months claiming we owe a debt from a previous landlord. We have repeatedly asked to receive a detailed bill to determine if the bill is legitimate. They have repeatedly failed to do so. Every communication has simply stated amount. On XX/XX/14, the agent that call me claimed the bad credit marks would be removed if I were to pay immediately and they would leave us alone, then refused to send a letter stating as much in writing. I pushed for it to be sent in writing, and he eventually agreed. At the same time, my husband received a call, he explained this to the agent, the agent made false claims that this information had been sent by XXXX, that Genesis had to no requirement to do so. He threatened that if we didnt pay now, we would lose a lot more money, my credit would be damaged, and other veiled threats. He refused to cease after my husband said he would be retaining legal counsel. He was forced to hang up. I called genesis to get his employee Information so we could report his threatening behavior, and he was later identified as XXXX XXXX. Imediately after this call, XXXX, then proceeded to call me, who, less than 5 minutes before me from another agent. His voice was immediately recognizable, but he identified himself by another name. I was able to confirm this was the same individual during this call, which we recorded. He again refused to listen, or acknowledge that we had stated our intent to retain legal counsel. I then received a text message from Genesis immediately after that conversation and another email. I feel this constituted harassment, threats, and illegal debt collection practices. My husband also made a complaint regarding this and the credit removed, but it has not been removed from my credit
Product: Vehicle loan or lease

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains [ a late payment/payments ] reported on my credit report I want you to know that I understand my financial obligations, and if it werent for covid 19 and the pandemic I would have been an exceptional customer. unfortunately I suffer from an XXXX XXXX and each time I had XXXX XXXX it was very hard to recover. Between XX/XX/2021- until now I have had XXXX 3 times. Causing me to be out of work on and off which lead to me being laid off. I made a mistake in falling behind, but since then, I am officially a career employee at the postal service no longer temporary. I am healthy and making a very good income that is stable and permanent. I know based on the cares act and based on the 15 us code 1681 s-2 late payments during COVID late payments were not necessarily being reported to the credit bureau XXXX there was an agreement with the creditor. However I have late payments through the whole duration of COVID 19 even with speaking with XXXX and applying for loan extensions. All XXXX that I spoke to said it would not reflect on my credit. 
Im planning to apply for a home loan and its come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments for that duration. I also I have proof that prior to coming to capital one which was right before COVID hit I had a vehicle loan with GM XXXX and I was never late ever. Covid really took over for me. I am also willing to pay for deletion as well. 
Thank you for your consideration, and I hope youll approve my request.
Product: Payday loan, title loan, or personal loan

On XX/XX/21 XXXX from Ok loans call at XXXX XXXX at my Job when I had to do my own customer to deal with saying that she will garnishment on my check if I don't make a full payment or payment arrangement of {$110.00} every 2 weeks. I explained to XXXX that I can make payment of {$110.00} but not every 2 weeks. So XXXX had said that not going to work. So I also asked how she received my work # when I was at a different office. Plus that loan was charged off 6 years ago and they should have done the garnishment 6 years ago. So I'm asking that loan be disputed or help on arrangements, or close the account since it been 6 yrs. I found out OK Loans is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

On XX/XX/2023 I was notified by my bank that my checking account had been blocked due to a fraudulent attempt to access my information. The bank representative told me that law enforcement had made them aware of the fraud attempt. We had to open a new checking account and request that the bank move almost all the money in the blocked account to the new one. The blocked account could not be closed because of automatic deposits we get each month ( social security, pension, etc. ). We had to notify all companies that had permission to make automatic withdrawals from our old account that we had a new account. The bank did not help us do this. Finally, we got all automated deposits and withdrawals changed to the new account. Then, we closed the old account. Recently, I enrolled with XXXX using my bank 's online system. I did this because I have a poor relative to whom I occasionally need to send money. Enrollment went fine. But, when I tried to send money using XXXX, the app would not accept my debit card number. After many phone calls and a long personal visit to a bank branch, the problem was that the bank still had the debit card linked to the closed account as the debit card to use with XXXX. The bank was not able to correct this problem and link my current debit card for XXXX. Instead, they are now sending me a new debit card. Mistakes happen, and I am not complaining about the mistake. However, it took so long for the bank to recognize ( and admit ) their mistake that my relative may not have enough money this month. This bank is a very large bank which always encourages customers to use the online services. Yet they were not able or willing to fix this problem so a customer could quickly get money to a relative in need.
Product: Credit reporting or other personal consumer reports

Equifax did not finish Updating my Payment History to PAANL as requested, Prior to Closing my dispute. Equifax is also reporting other inaccurate information on my consumer report, such as balances on closed accounts, inaccurate dates, negative remarks ... Late payments should not be on credit reports. Another violation on my consumer report are Late Payments- 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Definitions ; Rules of Construction. 2 : Exclusions. Transactions are not included in the consumer report/ consumer file. Delete these Late Payments and Update my Payment History to PAANL. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 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. 15 U.S.C 1666b States that a creditor may not treat a payment on a credit card account under n open-end consumer credit plan as late for any purpose. Also, Equifax has violated 15 U.S.C. 1666 ( b ) ( 4 ) Billing errors : States that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. It is also against the law for Equifax to make any consumer report containing any adverse item of information XXXX 15 U.S.C. 1681c ( a ) ( 5 ). Finish Deleting these Late Payments and Updating my Payment History to PAANL status.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX : XXXXXXXX XXXX  XXXX XXXX : RESIDENT VERIFY XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.
Product: Credit reporting or other personal consumer reports

I have sent several attempts to reinvestigate and verify disputed items that magically came back verified with no proof of due diligence and process of verification Ive attached proof of communication below
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of my consumer rights. 
XXXX
Product: Debt collection

My credit is being harmed by a collection agency that is reporting a disputed debt. 

The issue stems from a 3-month series of billing errors that my current phone/internet/XXXX provider made when we switched our service to them last year ( XXXX 2014 ). Throughout the time that the billings were in error, XXXX advised me to not make the payment while they corrected the issue however they never actually got it fixed. When they finally combined my payments onto a single bill ( which is what they were supposed to have done from the beginning ), they sent me a separate bill for one portion of the service and refused to provide a breakdown of what the billing represented. As the total amount shown was equal to the amounts I had been billed during the 3 months that the bills were in error ( and did not include the " bundle '' discounts I was supposed to get ), I advised CenturyLink that the bill was disputed until they could get it corrected - they appear to have responded by sending it to a collection agency. 

When I received their bill I notified the collection agency that the bill was disputed because the creditor refuses to provide a breakdown of charges ( which I know are wrong ). The collection agency subsequently sent me a copy of the erroneous billing, marked as a duplicate and showing an address in XXXX ( I am in XXXX ), which does not include any information other than the disputed amount. 

I contacted the collection agency and advised that the billing remains disputed because it 1 ) does not list what I am being charged for or 2 ) include the discounts that were the source of the initial dispute. Their agent stated that they considered the bill validated and were reporting it as a collection item. My credit monitoring service subsequently notified me that my score has dropped. 

I experienced a job loss several years ago and my credit suffered as a result. It has taken me a long time to rebuild and I am very upset that this collection agency is trying to erase all that hard work. 

I have submitted a complaint to the FCC as well, in the hope that they can get XXXX to correct their erroneous billing - please help me get the collection agency to stop harming me - my efforts to convince them that the billing is wrong ( and should not be paid ) have not been successful. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

A debt validation letter was sent to NAVY FEDERAL CREDIT UNION with regard to a credit card debt in the amount of XXXX on XX/XX/2020 asking for documentation to validate the debt. What was sent to me was just a statement not a invoice of actual accounting, along with a statement stating that after there investigation that the debt was shown valid and that i needed to talk to the credit agencies about this matter. upon looking at my credit report it was observed a statement on this account that states " Account closed by credit grantor, account previously in dispute, now resolved by data furnisher ''. an investigation was not requested only the correct documentation with regard to this debt to prove that there is an actual contract and if full disclosure was granted to me upon signing of any credit agreement.
Product: Mortgage

Good morning I am reaching out in regards to multiple issues with Selene finance. Wrong loan amount was transferred to Selene from XXXX XXXX XXXX owed with XXXX deferred but Selene listed XXXX with XXXX deferred without explaining how fees were added. I had loan modification started with XXXX XXXX n approved with selene after completing trial payments, it was submitted in writting and approved. I paid selene finance my monthly payment but they applied it to the wrong escrow and opened a foreclosure case in XX/XX/XXXXtXX/XX/XXXXI had to fileXX/XX/XXXX complaint because making numerous calls to customer service resolved nothing. After XX/XX/XXXX complaint selene finance closed the court case but still billed me their attorney fees. They wrongfully applied my total XXXX in paid funds again and not following modification agreement. I also provided them with my insurance info back in XXXX and then again in XXXX and XXXX but they just purchased a policy for me from my insurance agency who advised me of that and mailing them a refund. XX/XX/XXXX they changed monthly payment amount again ( property tax increased only 8 % ) but they doubled my payment n refused to accept my agreed modification payment. It is XXXX and I owe XXXX when my payment agreement was XXXX ( went down to XXXX back in XXXX due to their escrow research ) monthly ( made those payments full year of XXXX without missing a payment or being late. 
I must also mention They also destroyed my credit and I had to file numerous disputes ( they marked my account late the whole XXXX ) when I did t miss one payment. This XXXX I got an a credit alert they added XXXX to my loan but removed it in XXXX. Not sure what glitch it was but it dropped my credit. Please help Your customer service is a joke, multiple times I requested a supervisor callback and I also asked you to look into situation as well as provide me with my current statements which you took away from me. I have had online access on and off and its not right as o am not in foreclosure status and should be able to make payment online and see all my documents. 
Last, you filed foreclosure and then when I filed aXX/XX/XXXXcase you closed the case cause you knew I made all my payments on time but yet you still billed me attorney fees! For what? You made a mistake of filing foreclosure when I made all my payments on time and I have proof of that.
Product: Student loan

I went to school for two years to  XXXX  different schools during this time. Originally I was supposed to only have to pay {$19000.00} after disbursement amounts it would have been around  XXXX  to {$25000.00}. Last year in  XXXX  I believe I 've got on the student debt relief program that the government created I am technically  XXXX  although not on  XXXX  I have struggled financially and every time I would get a bill after being on the debt relief program every month my bill was higher and higher now they claim I owe {$38000.00} I do n't understand how it went from what it was when I started going to school to  XXXX . I have attempted on many occasions to get information from them concerning the details of this loan they still refuse to give me details of every aspect of this loan when the dispersants were paid out what interest was charged what school they were paid out to what the date they were paid out to I have tried to get detailed information how many occasions so I can examine this and they have fought with me I even had a lawyer send them a letter and they sent me a statement in the mail but it still did not have the details that I was requesting. Every time I call them all they want to do is put me on forbearance. They tell me I 'm on forbearance and then I get a email or phone call shortly afterwards telling me that I have a payment due happens every time. I 'm just really sick and tired of them   XXXX   me around I get nowhere with them when I call them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed in letters several times to XXXX, Experian and XXXX  in regards to my account with XXXX Account # XXXX. Starting in XX/XX/2020 up until XX/XX/2020. I have gotten some responses which I will attach. Yet inconsistencies remain on my report for XXXX. For your convenience I am attaching the latest response from each bureau. I will also list the issues I see. 

1. Date of first delinquency is missing 2. Purge date is not listed 3. Full payment history is not listed, specifically scheduled and actual payment amount.

4. Closed date is not listed on Equifax or Experian According to your own industry standard which is the Metro2 the above information must be reported.

I do not see an actual proper re-investigation completed after addressing the issues set forth.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a customer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Due to unexpected expenses, we hit our limit on our credit card. So we submitted a payment early in order to be able to continue to use it. We did this on XX/XX/2023. The money was taken from our account on XX/XX/2023. When I called to determine why my card was still being decline on XX/XX/2023, I was told that my payment would not post until XX/XX/XXXX, a full calendar week after the balance was paid, and nine days after I initiated the payment. In our case, it is more of an inconvenience, but I can see that this policy could harm people that are paying interest on their balances. In a case like this, Synchrony would have the funds, but continue to charge interest due to an unexplained policy that gives them seven days to charge interest on a balance that no longer exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I have been trying to work with Roundpoint Mortgage servicing company that holds the 2nd on my home over the last 7 years with no success. I was given misguided information from so many representatives. Everytime I try negotiating they send me a package in the mail and I complete and send back they say they didn't receive it. Finally after years I have a representative that is more familiar with these issues assist me. I assigned the company a power of attorney and they were at one point communicating with Roundpoint but then the representative became non responsive. Round point has not contacted me on the phone number they have on file or through email or any type of certified letters. Everytime I call them they say they will have a rep call me within 48 hours. I was recently sent a notice of default stating that XXXX XXXX XXXX who is the private lenders want to foreclose on my property. I have been willing to negotiate the balance for years and Roundpoint is not responding. I finally was able to get through to a rep this week and sent in the last 2 items they said they needed which I was never informed of. They also said I had to resend my authorization and hardship letter AGAIN because it " expired ''. The only reason it expired is because they would not call the POA or myself. Once again they said they don't have the POA on file so I sent it to them again on XX/XX/2018 with all the final documentation. They say it takes 4 business days to receive the images, which is also strange since they are faxed to them. I am willing to negotiate a balance and have always been willing but they were not working with me. Now that the house has increase in value they placed a notice of default so that they can force me out of my house. 

I am a single mom with an elderly mother that lives with me. I have a daughter that is going to college which I pay for, who's dad passed away 2 years ago. I pay for all the expenses in my household and any medical expenses for my elderly mother. If I am forced out of my house it will affect my entire family. 

I feel that Roundpoint Mortgage and XXXX XXXX XXXX ( who I believe had been bailed out ) is forcing me to go into foreclosure. I need assistance on how to handle this.
Product: Vehicle loan or lease

On XX/XX/XXXX I had purchased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX located in XXXX XXXX, MD. Financed with Bridgecrest Account # XXXX. Up until XX/XX/XXXX I had issues with my XXXX XXXX XXXX and finally after jumping through hopes with XXXX and Bridgecrest it was offered to me that my vehicle would be bought back from me with out taking a negative hit to my credit. I eventually got a XXXX XXXX XXXX Bridgecrest financed again Account # XXXX. My interest Rate went up because what I finally found out after calling with Bridgecrest and XXXX is that when they bought my vehicle back even though I had made every payment on time they would have the credit Beauru to delete my on time payments that I had worked hard on and know when I bought my new vehicle my interest rate went up because of my credit score. SO I am out the 6 months of onetime payments I had paid towards my other car and my credit score is unchanged or worst. I was never told that my credit score would change like that after switching out into a new vehicle.