23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid and closed these accounts on time. Every thing was returned. I have video I can upload that proves that XXXX told me there was a XXXX balance on ALL accounts. I've put the video on this XXXX XXXX so you can see the agent confirms that ALL accounts are at a XXXX balance. 

https : XXXX XXXX XXXX XXXX
Product: Mortgage

I am writing concerning my escrow account. Information regarding my escrow payments have changed, which require lower escrow payments. I contacted the company and provided proof of the lowered payments on my behalf, however, despite contacting the company and speaking with representatives who assured me that the payments should indeed be lowered, that they would be lowered, the statement/bill remains the same. I am tasked to pay the original escrow, and told that the company reviews its escrow once a year and then the account will be reviewed and changes addressed. This is not so, I have requested and explanation of the way the mortgage payments are set up, they have changed where more money goes to interest and not principal, why??? I want to pay my mortgage in accordance with the lowered escrow and want my loan to be compiled and pay with more funds to principal than mortgage, how can the mortgage company arbitrarily change the way my mortgage is funded and not allow me to pay my lowered escrow payments immediately. 
NOTE : I have already submitted to the company all information/data that is pertinent to the payment of lowered escrow payments to the company and it was verified received by representatives ( 3 ) that have claimed to forward the issue to be addressed and resolved.
Product: Mortgage

Summary : - Flagstar purchased my mortgage in XX/XX/2021 - My prior bank ( XXXX ) sent an initial transfer payment in XXXX. Flagstar only applied it to the principal.

- Flagstar notified me on XX/XX/XXXX that they misapplied the transfer payment and would resolve it. 
- The transfer payment was never correctly applied and now I have been warned ( on XX/XX/2021 ) that my mortgage will go into a default payment status if I don't make a double payment by XX/XX/XXXX. 
- I have paid my mortgage on time every month. 
- I made contact with 2 members of their management team who only informed me it was my responsibility to see the XXXX transfer payment was misapplied and resolve it within 60 days. 
- Flagstar made purchased my mortgage and misapplied the transfer payment. Those were both internal company decisions and processes. I had nothing to do with it. Why am I responsible for their process failures? 

I have only been a customer since XX/XX/2021. My mortgage was bought by Flagstar. I was given a welcome phone call but things have not gone well since then. My prior mortgage holder, XXXX XXXX, transferred the first payment to Flagstar in XXXX. Unbeknownst to me, Flagstar applied that entire amount to the principal. I began making my monthly payments in XXXX and have done so every month. I received a call in XXXX that my mortgage payments were behind. I was told that it was a result of the transfer payment by the prior bank ( XXXX ) that was only applied to the principal and not the interest payment. On that call, XX/XX/XXXX, the attendant let me know that it would be resolved. I thought all was well. 
I received a call on XX/XX/XXXX, telling me again my monthly payments were behind. I was told that the transfer payment that came from XXXX that Flagstar applied only to my principal balance could not be moved to the right allocations for principal and interest. I was told if I do not make a double payment by XX/XX/2021, then my mortgage will go into a default payment status that will affect my credit. 
As a customer I have done nothing wrong. It's not my fault that Flagstar misapplied the transfer payment in XXXX. It's not my fault the attendant told me on XX/XX/XXXX it would be resolved. The only response I received from XXXX ( on your management team ) was that I should have seen that this initial transfer payment in XXXX was misapplied. 
So as a customer I have made my monthly payments on time every month to my prior and current mortgage companies. This is not fair in any way and a poor treatment of customers. I left a voicemail with XXXX ( on your management team ) with this same information.
Product: Credit reporting

I contacted Equifax after XXXX car dealerships were unable to view my credit score. They stated that it shows as zero. I requested to have the freeze/fraud alert removed and was assured that this would correct the problem on or about XXXX/XXXX/XXXX. The dealer XXXX XXXX at XXXX XXXX XXXX ( XXXX ) XXXX checked again and it still showed zero. I called Equifax again and was advised to fax in XXXX forms of to the dispute department at XXXX which I did on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. I was advised to allow another 72 hours which I did. XXXX XXXX Sales Manager at the dealership again used dealer track on XXXX/XXXX/XXXX and the score still showed as zero. I waited until XXXX/XXXX/XXXX to call Equifax again. I was hung up on 3 times via their IVR system on XXXX. I finally tried XXXX and asked for a supervisor I got transferred to XXXX @ XXXX on XXXX/XXXX/XXXX he assured me that the XXXX XXXX on my address was the reason my score was not showing up. I advised I have no XXXX XXXX in my address he stated that he removed it. XXXX XXXX tried to run my credit again on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and the score still shows zero. She stated she that she can see my history but no score. When I first started back in XXXX XXXX with trying to purchase a car my score was XXXX now it is XXXX for Equifax. I also noticed that my mortgage company does not even show on my transunion nor my experian reports. The freeze was on my account for about 8 years and due to all the wrong or lack there of reporting I have been denied credit so many times and had no clue as to why. No one at Equifax ever told me that my score would appear as zero for anything if I added the freeze. I need to have my score to show up immediately so that I can continue with my purchases and stop being denied credit due to the creditors only basing my score on XXXX and XXXX which has the totally wrong and lacking positive information on my behalf. I am constantly getting the run around and very poor customer service. I was advised by XXXX to tell XXXX to check with the business side of Equifax and she stated she has had no other issues with anyone but me. Please make them fix this it is very unfair that I have been dealing with this for a month and a half and still have not got any results. XXXX XXXX stated I could use her as a contact of more information is needed from her. Her address is XXXX XXXX, Ga XXXX email is XXXXXXXXXXXX phone number is XXXX and she is the sales manager.
Product: Debt collection

I received a phone call today at XXXX claiming to be a law firm and collecting a debt that is not mine. They produced personal information that was apparently on a loan application, which they believed to be valid. I indicated I was not party to this loan and have never heard of the loan provider. I also indicated there was no other attempt to collect on this fraudulent loan which they claim is approximately 3 years old. I did inform them I did in fact have fraudulent claims of debt in Summer of XXXX  with a different company with a similar claim. In the summer of XXXX  I froze my credit reporting and also filed fraud alerts with the three reporting agencies. 

I do not know of this loan company " American Web Loan ''. 

The debt collector claim to be a law firm " MMG Law Group , PLLC '' This debt does not not belong to me. 

I have since re instated the credit freeze and filed fraud alerts with all three credit reporting agencies. 

Than you for your attention in this matter.
Product: Mortgage

On XX/XX/2021, I received a letter from Amerisave Mortgage Company at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, Phone XXXX. This letter said that I had ordered a credit report to determine my qualifications for a mortgage. I ordered no such report from this organization. 
When I called them the same day, I was told that I had given permission by looking at some website and that gave them permission to look at my credit. When I advised them that I gave no such permission I got the same story again and again. They refused to acknowledge same and I discontinued the call. 
I consider this a form of identity theft and want to know what my legal options are. 

Thank you,
Product: Debt collection

The company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006-34 ( b ) x ( 5 ) .Despite this, they've added a collection to my credit report.

I've already tried to resolve these issues directly with them, but they continue to violate my rights.For each violation listed.I am entitled to {$1000.00}. They must either compensate me or remove theses accounts immediately.
Product: Money transfer, virtual currency, or money service

I am trying to cash out but in XXXX or XXXX there was a fraud charge on my credit card that is been cleared up but crypto.com want release my account to cash out
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit card from BBVA compass.

I did setup auto pay on the app.

But it does not work, then I went to the bank center and they fix it but still not working. But the time I miss payment because the only way pay at bank center or pay phone. And that time Im out of the county. When I back I pay off because they dont let me pay by the app or online.

They keep charge the late fee even Im pay on time by setup auto pay. 
They said the will refund the late but they dit not
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805.

Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. 
All versions of names except my only Name " XXXX XXXX ''. 
All other versions are in violation. 
There is only XXXX address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, South Carolina XXXX. 
ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. 
There are CHARGEOFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 
There are multiple Hard Inquiries on my credit report that are NOT authorized, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX There are multiple Soft Inquiries that are NOT AUTHORIZED : 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 
Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed.

The Student Loans being reported on my credit MUST be removed. Student Loans on credit report is a violation of the Family Educational Rights and Privacy Act of 1974 ( FERPA ) The school agreed that they will not provide transaction history to any 3rd party. 

16 CFR 433.2 & 313.7 - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Im a consumer of U.S bank. I have never been treated with any bank the way I was being treated with them. As of todays date XX/XX/XXXX of 2025, Im stating that this is not the first incident where I feel like Im being denied Service. After stating that I have a language barrier, I feel that I was being discriminated against. I was denied service on multiple asks with no legitimate reason. I asked many times the reason behind their denial and I was never given a response. Bankers laughed at me. I have been treated poorly and unfairly as a consumer. It all started with inquiring about how they make a decision on how to reverse a fee who makes that discretion. I was denied all answers. When I asked why all fees are excessive and why they arent able to give courtesies, I wasnt given an answer. I spoke with at least five people and the department and no one was able to give me an answer. I have been a victim of excessive fees and a denial of service. I wish that someone can listen to the recorded lines as I made many phone calls. One of them lasted from XXXXXX/XX/XXXX till XXXXXX/XX/XXXX. I was then requesting for management to either email me or to reach out to somebody and writing. I was denied that service as well for any of I was denied that I asked for an email for the department that I was denied that as well. I feel helpless. I need someone to be able to support me on this case. I have a lot more to explain, but I feel and capable of describing it by typing.
Product: Credit reporting

Equifax is reporting XXXX collection agency 's have open collection these where paid in full and I claimed bankruptcy afterward they where paid. The other XXXX credit bureau 's have removed them a long time ago, but Equifax refused to report them correctly as paid in full and closed.
Product: Checking or savings account

An email was received stating that XXXX of our accounts was opted out of early pay. I did not opt out, neither did my XXXX, who is the other name on the account. I called the toll free number and mid-conversation was hung up on. I called a local branch and spoke to a XXXX XXXX XXXX, XXXX branch ). She advised she could not see what changed. She contacted her service center who advised the email was spam and they don't show a change. However, the email came from Huntington, looks like every other Huntington email, the early pay has disappeared from the list on the Huntington app and the payroll check has not posted. I'm unsure as to what is happening, but this is deeply concerning. I have spoken with my employer, which has not changed and they have not changed how they submit payroll. I'm deeply concerned about this and can not get straight answers with the branch. XXXX tried her best to be helpful, but it did not solve the issue.
Product: Credit reporting or other personal consumer reports

Aldous and Associates XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Validation of Debt Dear Aldous and Associates, I am writing to formally request the validation of the debt associated with my account ( Account Number : XXXX ), as permitted under the Fair Debt Collection Practices Act ( FDCPA ). According to the FDCPA, I have the right to request verification of any debt that I am alleged to owe. 

Please provide the following information regarding the debt : XXXX. **Amount of the Debt : ** A detailed breakdown of the total amount owed, including any fees or interest. 

XXXX. **Original Creditor Information : ** The name of the original creditor ( in this case, XXXX XXXX ) and any relevant details about the account. 

XXXX. **Verification of Debt : ** Documentation that verifies the debt exists and that you have the legal right to collect this debt. 

XXXX. **Payment History : ** A record of any payments made towards this debt, if applicable. 

Please note that until this validation is provided, I request that all collection activities cease as required by the FDCPA. Additionally, please ensure that this matter does not impact my credit report until the validation process has been completed. 

I appreciate your prompt attention to this matter and look forward to your response period stipulated by the FDCPA. 

Thank you.
Product: Money transfer, virtual currency, or money service

Ive been unfairly locked out of my PayPal account. Ive had the account for almost ten years, which they recently claimed to have given me a {$20.00} credit for due to loyalty but I cant even access my balance to pay my bills every month. This can lead to late fees or me possibly ruining my living situation as Im counting on that money to get by. Ive set up Face ID and also tried to confirm my mobile number to help secure my account, the latter attempt being denied most likely because I have a prepaid phone number even though the website never indicated those as ineligible. Ive called several times to confirm and verify my identity but I ended getting hung up on, stuck in the automation system or not getting a call back at all. Ive also messaged them. Ive even had them tell me to contact them during business hours while I was contacting them during business hours. I just need help with this because its ridiculous and Im really just trying to do good business. My emails linked to my PayPal account are : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I looked at my credit report I saw that there were XXXX affirm purchases that showed up as late when this is not the case and I even tried to dispute these multiple times with XXXX and with Affirm themselves who could not give me proof the payments were late. The dates are XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>.
Product: Credit card

1. The credit card is misadvertised at the first beginning when I wassold to apply for this card. I was told it 's a 0 % interest card forthe first 12 months and then 28 % APR. The sales and the customerservices keep using the language the interest is " void '' to mislead itscustomers, and in certain way allure and motivate people to open thecredit card, even I had the full cash to pay for the goods at the timeof purchase. 
2. TD Retail Card Services did n't send me any notification about whenis the deadline of paying the balance in full. I understand yourmonthly statement says the promotion expiration date, which is XXXX, 2015. However, the statement of XXXX XXXX to XXXX XXXX did n't statethe interest deferred to be added on the current balance ; thestatement of XXXX XXXX to XXXX XXXX did n't state the interestdeferred to be added on the current balance either. These statementsdid n't demonstrate that the expiration date is the actual deadline ofpaying off the current balance in order not to incur any surchargeevent. 
3. I paid in full for my previous balance of {$6400.00} on XXXX XXXX, 2015. 
4. 28 % APR is way too high for any standard credit card. The APR isaveraged at 15 % in the United States. What kinda of business wouldoffer such a high APR and 0 % interest rate in the first year at thesame time? I am suspicious about the misconduction of credit businessand I would encourage for further investigation of their customerbase, since I believe I am definitely not the only one who wasmislead, confused by their business.
Product: Debt collection

Code 15 USC 1929c states thats a debt collector may not communicate with any person other than the consumer, my attorney, a consumer reporting agency in connection with the collection of any debt without my prior consent of the consumer or express permission of the court and I did not give them permission neither did the court also of a consumer alerts the debt collector that the consumer refers to pay a debt the debt collector must cease all communications
Product: Debt collection

Hello, I have been having an issue with Transunion in regards to false information that is being reported on my credit report. I have tried resolving this issue multiple times by communicating with them via certified mail and they refuse to fix the issue. They are falsely reporting an account that does not belong to me. 

XXXX XXXX XXXX Account # XXXX I have mailed out multiple attempts to resolve this issue with no help from them. 
I have mailed out items in XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 and most recently in XXXX of XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Numbers : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 reporting, credit repair services, or other personal consumer reports

The credit report agencys keep upate my credit report with mis use information.and nothing updated in a timely matter .My credit score is going down badily ... I don't know what these companys doing and its a lot inquires on my credit .I don't understand how this credit agency get to get over like .Transunion, XXXX and XXXX.I need my fico score to be updated .Everytime I turn around my score low.I sent all my paper work to prove my stuff was accurate .Also I was fraud victum and someone stole my social security number, This is so important to get this straight.I m not getting treated fair because they ripping me off .I always dream to have a 700 to 800 credit score .Everytime they changimg my credit score and they keep allowing bad things to go on my credit .Also all three companies is being sued to get over on people.I want XXXX XXXX XXXX XXXX to good stands positive to be updated,,, ,XXXX XXXX company my credit saying I owe them. , ,, ,XXXX  off my credit XXXX not my accountXXXX ..student loan off XXXX off the school closed down,,,
Product: Debt collection

I had not checked my credit report in a while. After obtaining my credit reports. I got a letter from a collection agency West Asset Management , Inc . Telling me that i had a debt that had been turned over to them for collection. I called them immediately to inquire about " this so called debt '' First time I called was XXXX/XXXX/2015. I was told that they were going to research the account and get back to me. Today is XXXX/XXXX/2015 have not heard any thing from them. So I called again. They told me that they did not have anything to share with me and they will let me know ... .In the mean time, I 'm waiting to have this cleared from my credit bureau as I would like to buy a small home for myself and having this information on my credit file will keep me from obtaining a good Real Estate loan or perhaps nor one at all. They ca n't give me any information about " this debt '' but they have not removed this false information from my credit report. I need help. I would really appreciate your help! Thank you.