23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX, 2022 sent check for over XXXX to Freedom Mortgage. Clearly written on XXXX XXXX check " 3 months payment ''. Freedom did not credit the check as 3 months payment. Freedom credited the check as 1 month. Then, the monthly amount of my mortgage payment became variable, late fees requested. 
Despite several phone conferences with customer service reps, the changes discussed have not been reflected on the monthly statement. 
Please investigate and reply
Product: Credit card or prepaid card

I open an account with Wal Mart on XX/XX/2010, unbeknown to me they also enrolled me into a Card Security Program without my consent. I enrolled into Wal Marts online billing, and the would send me what I owed though my email account and I would pay it! A couple months ago I forgot my online password, and requested that Wal Mart to start mailing out my statement to me again. After receiving my statement from Wal Mart I notice where they were taking out for this service, that I never asked for. I called there Customer service, and asked about how and when did I sign up for this service? All the Representative could tell me is that is was a mistake and they would refund my money. So my next question was to Wal Mart was were they going to reimburse me on the interest fees they been charging me over the last nine years, that my account been open? They answer to me was all we can do is return a couple of late fees you had occurred, ( WHAT )? I told him as a disable veteran who does not have a lot of income, I need all the help I could get! This manger was not very caring or helpful in trying to resolve this issues. So if the did to me, how many other consumes, have experienced the same problem I have? Just wondering
Product: Mortgage

See previous, ongoing complaint but more added to the problem. 

XXXX I received another " Home Loan Account '' statement this month with more errors. 

I spoke to representatives ( XXXX XXXX and XXXX XXXX ) in BoA 's servicing department who admitted they had misapplied an extraordinary payment ( sent at their direction, following their directions XXXX to reimburse wrongly continued escrow account. 

They waited over 6 weeks to tell me of the error and only admitted it when I pressed them on a call but refused, to date, to send me an apology ( that they promised ) and corrected documents. 

I have tried to follow up with emails and calls and I have been ignored. 

This problem stems from an improper payment of taxes that they paid to the District of Columbia over 6 months ago!
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX, XX/XX/XXXX and 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

I have received several phone calls about a debt from XXXX XXXX. I am aware of the debt and working to resolve the issue however I am now unemployed due to me being XXXX XXXX for several months and my daughter was also injured in an XXXX   and has been in and out of the hospital repeatedly with XXXX. I currently have no income at all and and am not receiving any type of government assistance. I am expecting to return to work in the Fall. On XX/XX/2018 at XXXX I received a threatening phone call from XXXX XXXX from someone name Specialist XXXX from the number XXXX ext XXXX. He has left several rude messages howeve this one today he was rude, threatening to take action, using inappropriate language and yelling into the phone screaming saying I better return the call. I returned the call and ask him for his name after giving him mine. He refused and said give me your address. I said Im not providing anything until you tell me who you are and what debt youre calling about. He starts screaming saying, you called here and you need to provide me with what I asked for. I said you called me and Im returning the call to try and settle this. He started yelling and saying I already know how Im going to rule on this so it doesnt even matter. I said do what you have to do, because if I was trying to corporate I wouldnt have called, so he starts again and threatening me. I hung up on him and called back to speak with a supervisor. This person didnt provide her name and claimed to be a supervisor and said she would review the call and that behavior wasnt appropriate. I said I will be filing several complaints and forwarding that message to the authorities and other platforms to file a complaint. I will handle the debt as soon as possible, however Specialist XXXX is not to contact me ever again on this matter. I have 15 years of XXXX XXXX experience and that message he left on my voicemail and his calls are threatening and harassment and I feel threatened at this point by this company and representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent address 's and account. XXXX XXXX XXXX XXXX IS REPORTING FRAUDULENTLY AN AUTO LOAN IN THE AMOUNT OF XXXX ON XX/XX/2018 TO FRAUDULENT ADDRESS 'S THAT I HAVE NEVER LIVED AT! 


Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX XXXX is falsely publicizing an account addressed to me on Experian, XXXX XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXX has published my information publicly on XXXX, Experian & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.
Product: Mortgage

My Mortage company, Mr. Cooper has made an unauthorized charge to my checking account for {$1700.00}. I have been trying to get this resolved with Mr. Cooper but they have not provided a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # XXXX XXXX
Product: Debt collection

received a call from XXXX -- it only came up on caller id as XXXX Fl, and I was getting ready to leave the house I almost did not answer. However, the message started out saying this message was for ... ... ( my name ) and they currently had an urgent matter with my name and social security number attached to it so at this point it sounded important so I picked up the phone ... ... ... ..the VERY nasty woman told me she was from ARS - and I was like yes, so who are you? She again said ARS - I told her I had no idea what she was talking about and had never heard of ARS - then she proceeded to inform me that she was from a collection agency. At this point I intercepted to advise her that I have been on XXXX since XXXX of XXXX and that the last time I personally was even able to make any payment on any credit card was in XXXX and it really did not matter what card what she was calling me about as the statute of limitations in the state of Florida was 4 yrs and even if they had a signed application then it was 5 yrs so either way, time barred. She continued to argue with me that how would I know anything about statutes. I informed her that prior to my becoming XXXX I was a collector and not with sub prime third party bottom feeder but with XXXX XXXX XXXX and I knew the laws inside and out. She then yelled at me enuf so that I had to move my phone away from my ear " so you think because you are XXXX you do n't have to pay a bill? '' I replied back to her ... ... ... .that would be correct because 1 ) the statute of limitations for collecting was over ... ... ... 2 ) up until I answered the phone, I never even received any communication from ARS and had not a clue who they were and 3 ) she could not touch my social security XXXX income, I own nothing else except for the clothes on my back - only thing my name is on at all is our Florida homestead and given our ages, I feel confident XXXX will actually still " own '' it by the time we die ... ... ... so yes ... ... ..I did not have to pay the bill - thru out all of this, the rep from ARS still DID not tell me who she was even collecting for - this is a violation of the FDCPA as was her threatening tone of voice ... ... ..if I had used that tone and was being monitored, I would have been terminated immediately from XXXX. This was not the first time the number called, but previously no messages had been left ... ... ... .also her message was certainly misleading and indicated that this was some type of possible social security matter, government matter, etc as she referred to a file on her desk with my name and social security attached to it, it sounded as though she was from law enforcement.
Product: Money transfer, virtual currency, or money service

Basically I used Trust for a few months, I had some security issues lately it seems. Looks like someone at TRUST is micromanaging account assets and mismanaging them. I have documents showing TRUST Wallet is ultimately responsible for wallet maintenance.
Product: Student loan

This complaint is about Navient. www.navient.com. 
This loan in in my daughters name with the complainant who is the parent and cosigner. 
My complaint is : 1. unfair interest charges I understand that interest is charged daily, how can a additional payment a day later have multiple days interest? Furthermore, the payments can not be be directed to pay off he smaller account or be directed to principle only. In a XX/XX/2016 and XX/XX/XXXX phone call to Navient, I asked for a detailed analysis explaining my account, exactly how the interest is charged and the agent refused stating it was on the web site. What is there, is not clear. ( Shocking ... ) 2. Multiple accounts still show even though a consolidation was completed ( subsidized and un-subsidized ) and payments or additional payments can not be directed to pay off either the other loans or directly to principle. Multiple accounts means multiple credit account history. If there are XXXX showing on the account summary, I expect XXXX to be reported on. In this case, they state XXXX account and multiple are reported. This is inaccurate reporting. On this matter, I discussed this with Navient that it was showing multiple accounts and that the consolidation should then close out the paid off loans. The Navient CS agent agrees, and states that it really is not multiple accounts, just their way of accounting. Makes no sense. 
I believe this is predatory lending behavior. As a parent and cosigner, I understand what my responsibility is. it appears to me this institution is making this loan nearly impossible to repay. I need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me and has been on my credit report for some time. I am asking that this account be deleted because it is not mine. I have attached an identity theft report as well. Please delete the account for US DEPT ED. I am sending this as myself no third party company or no other person that I gave permission to send on my behalf. I am sending this personally & the complaint is coming directly from me, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My Fair Credit Reporting act consumer rights have been violated. 



Experian has not updated my information despite several attempt, they helped the person he scammed me change the last XXXX of my social and chnage my name. 

They have violated my federal given consumer rights to privacy amongst other things.

15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumerto anyconsumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

AFNI Located at the below address and phone number opened a claim on my credit report that is not mine. The company has not provided any information on the claim. This is the second time the claim has been reported on my credit report which has caused my credit to be impacted. The company should not be able to create fraudulent claims to credit reporting agencies. 

XXXX, XXXX. 
XXXX XXXX XXXX XXXX, IL XXXX
Product: Debt collection

Midland Mortgage has violated several federal laws. 

*Fact, the Fair Debt Collection Practices Act 15 U.S. Code 1692h Multiple debts states *Fact, Midland Mortgage is failing to observe a law 15 USC 1692j - Furnishing certain deceptive forms. 

*Fact, Midland Mortgage is failing to observe a law 15 USC 1692e ( 11 ) Fales or Misleading Representations *Fact, Affiant is aware and has proof in attachment labeled as exhibit C that this debt collector is failing to observe a law 15 U.S. Code S 1692d ( 2 ) - Harassment or abuse.

*Fact, Midland Mortgage is infringing on my rights of 15 USC 1692k.

*Fact, Midland Mortgage is failing to observe a law 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer Of a credit card or similar device SHALL NOT be listed on their consumer report. 

*Fact, Midland Mortgage is failing to observe law 15 USC 1681a ( 2 ) ( A ) ( l ) *Fact, Midland Mortgage is failing to observe a law 15 USC 1681b ( 2 ). 

*Fact, Midland Mortgage is failing to observe a law 15 USC 1681 ( 4 ).

*Fact, Affiant is aware of that Midland Mortgage is in violation of 15 USC 1681n exhibit D.
Product: Money transfer, virtual currency, or money service

Started by calling COINBASE, a currency trading company located in California, seeking help to download their app, since all the codes sent to me by them failed to download the app. XXXX XXXX, supposedly a company representative answered the call & offered to guide me step by step to download the app & be able to trade when I want to. When I noticed that my account balance dropped markedly, I went through all the transactions to find out Coinbase company had withdrew significant amount of money totaling {$70000.00} within less than a month without my authorization or consent. XXXX XXXX claimed that was illegally done by a former employer that was fired, but then he claimed that it was a computer glitch, but he promised that all my money will be refunded back to my account. Coinbase refunded {$6500.00} & XXXX to my account but no more. A balance of {$53000.00} is remaining to be refunded. When I failed to reach XXXX, XXXX again, I called Coinbase tool free, they indicated that the account is on hold & being investigated by security dept, but they offered no further details. ( Any transaction with Coinbase, needs to be done from their app on my own PC or my phone. Until now this app is not installed on either one. ). In short, I never placed any order, authorized any fund withdrawal or placed any order. 
PLEASE REFER FOR MORE DETAILS IN THE ATTACHMENT
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed incorrect late payment entries on the following accounts : XXXX XXXX  ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy as the Fair Credit Reporting Act clearly says. 
I have NEVER been late on any of these accounts, and I did not give permission for this information to be reported. 

Please investigate this issue and provide proof showing that these payments were actually late and that I authorized this reporting. 

If you can not provide this proof, I need these records updated to show that all payments were made on time, as I have always paid on time.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a CFPB complaint regarding the particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct it from my personal credit file : DEPT OF EDXXXX XXXX XXXX XXXX XXXX, 2018 Balance : {$68000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$1900.00} XXXX   XXXX {$450.00} XXXX XXXX {$3100.00} XXXX XXXX {$3800.00} XXXX   XXXX  XXXX {$760.00} XXXX   XXXX {$5600.00} XXXX XXXX XXXX {$1100.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Debt collection

On Friday  XXXX   XXXX  I received a letter from portfolio recovery prior to this I talked to them on Monday or Tuesday about just paying off  XXXX  debts that was n't mine but since I was trying to purchase a house that was required well on that day they told me about a debt I owed I told them they were wrong because I never had that card therefore I disputed it so I get home Friday and I check my credit report they have n't verified the debt or nothing they just put it on my credit sent me something via mail saying they bought a debt but how do I know that they did n't just make that up I do n't see my signature on anything
Product: Mortgage

I AM A SENIOR CITIZEN AND HAVE BEEN TRYING TO SELL MY HOUSE THROUGH A SHORT SALE WITH MY LENDER, XXXX BANK XX/XX/XXXX. I HAVE HAD NUMEROUS OFFERS, APPRAISALS AND COUNTER OFFERS AND STILL CAN NOT GET MY PROPERTY SOLD. THERE IS AN OFFER THAT HAS BEEN UNDER REVIEW WITH MY LENDER SINCE LAST YEAR AND A FEW DAYS AGO I RECEIVED A MOTION FROM MY LENDER 'S ATTORNEY REQUESTING THE COURT 'S ASSISTANCE IN RESTORING THE FORECLOSURE ACTION TO THE CALENDAR. THE FILE WAS SERVICE RELEASE TO XXXX LOAN SERVICING AND WHILE THE REVIEW PROCESS WAS STILL ONGOING, THE FILE WAS SERVICE RELEASED TO SETERUS. THE CURRENT OFFER TO MY KNOWLEDGE IS UNDER REVIEW WITH XXXX SETERUS. SO WHAT I DO NOT UNDERSTAND IS HOW CAN THE BANK AND THEIR ATTORNEY PROCEED WITH FORECLOSURE WITHOUT A DENIAL OF THE CURRENT OFFER? 
MY REALTOR 'S OFFICE INFORMED ME THAT XX/XX/XXXX, A REPRESENTATIVE FROM THE SETERUS CONTACTED HIS OFFICE TO INFORM HIM THAT THERE WERE DOCUMENTS MISSING BUT THE DOCUMENTS THAT THEY STATED WERE MISSING WERE EMAILED TO THE NEGOTIATOR, XX/XX/XXXX AND AS OF TODAY 'S DATE, THERE HAS BEEN NO RESPONSE FROM HER. 
I REALLY DO NOT UNDERSTAND THIS PROCESS AS THE BUYER DID NOT CHANGE THEIR MIND ON PURCHASING THE HOUSE AND HAVE BEEN PATIENTLY WAITING FOR THE BANK TO ISSUE AN APPROVAL WHICH STILL HAS NOT BE DONE. 
THE MOST TROUBLING PART OF THIS SHORT SALE PROCESS IS THAT IT HAS BEEN ONGOING FOR MORE THAN 3 YEARS WITH NO RESOLUTION INSIGHT. MY AGENT HAS ALREADY SENT A COPY OF THE SHORT SALE DOCUMENTS TO THE BANK AND THEIR ATTORNEY SO I REALLY DO NOT UNDERSTAND WHY THEY ARE TRYING TO PROCEED WITH THE FORECLOSURE.
Product: Credit reporting or other personal consumer reports

15 USC 1681 I want all items removed off my credit report, I'm a XXXX veteran XXXX XXXX and someone or something is using my social security number and or likeness to purchase items and or withdrawing monies.for the last 20 years.
Product: Checking or savings account

On XX/XX/year> I opened a savings account then on XX/XX/year> I opened a savings account. On XX/XX/year> I deposited {$1800.00} and on XX/XX/year> I deposited {$1800.00}. These are my payroll checks which are from the US government so they are as legit as it gets. On XX/XX/year> I transferred {$30000.00} from my personal account at my previous bank that Ive had for years. They require a minimum of {$30000.00} to get in their Relationship Tier which is why I made this transfer. That is the only XXXX transactions ever made on the account before they locked me out. No checks had been written no withdrawals whatsoever nothing. After being locked out I made multiple attempts to gets answers but nothing was resolved. I was given the number to Citi XXXX and dealt with XXXX at XXXX ext XXXX. Ive been told that my account has been closed and I have to wait up to 60 days to get my own money back from them. Meanwhile thats XXXX mortgage payments and numerous other monthly bills that need paid while they hold my money. I requested a expedited refund check and was denied. The case number from Citi is XXXX. I have confirmed with them that the payroll checks have cleared and confirmed with my previous bank that the {$30000.00} transfer is cleared and the money has been taken from my account there.