23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company had me on a payment plan for a year were they took out the money directly from my bank account after the year the bills was paid in. After a month past they started calling saying Im late I asked how could that be when you were taking the money out of my account the rep said she was gon na look into it and get back to me that never happened and the bills kept coming.
Product: Mortgage

The company took over payments from me alleging that i did not have insurance despite me providing insurance information. They claimed they sent a refund check and i never received it. I asked for a refund check to be sent back on XXXX. They agreed and mailed me a check dated XXXX which I received in XXXX. I cashed this check BEFORE 90 days is up and the bank said that AIM LOAN issued a stop payment on this check and thus caused me to incur fees and not have this check. 

When I called up AIM LOAN said that i requested a stop payment on this check on XXXX. How can I request a stop payment on a check that has not even been issued yet? I didnt. AIM LOAN stopped this check on its on account because they dont want to refund the extra money they charged me on the extra fees that I have incurred because of this. They need to refund this check, the overdraft and stop payment fees and all other fees that I have incurred because of this.
Product: Debt collection

Ive called multiple times since XXXX to both the landlord and Iq data inc. he threatened my credit called me a young kid and told me he didnt have to reveal anything to me the debt was owed and it was my responsibility I sent an email XX/XX/XXXX and never got a response back
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this agency on  XX/XX/XXXX   . The information on my credit file states I had a car loan with them, when I never had a loan with them. The date they state I opened a loan is the same date I opened my loan with   XXXX   XXXX   Who is currently my finance company and always have been since  XX/XX/XXXX ! I attached copies of my   XXXX   XXXX   documents!  Proving Santander consumer company was never my finance company and I still possess my vehicle! I am a victim of fraud! I have contacted my lawyer then fbi! Santander  consumer is fraudulent!! They are keeping me and my children from home ownership!
Product: Checking or savings account

To Whom It May Concern, I am a XXXX  year old XXXXXXXX    XXXX, XXXX, and XXXX XXXX human being on XXXX. I made a big mistake online and  was duped by XXXX who claim free web-page making ads on-line, only to get charged {$270.00} and change. When I saw a charge for {$270.00}, I started panicking and getting very upset because there was no way for me to get a refund. That is because they do not have a phone to get in touch with. I have terrible XXXX XXXX that could easily be confirmed by the employees by TD Bank, the number 1 bank in the Americas and maybe in the world. On that note, TD Bank put my money back into my account as usual ( this was approximately 8 times in all ) as in the past occurances. I have other people in the world with my exact information being that I was hacked shortly after my divorce 6 years ago, the length of my XXXX experience being alive to experience ALL of the XXXX. along with the bank issues. Now, I have no access to my on-line account. 

I did receive a letter from TD Bank to fill out any information that could further explain as to the circumstances that involved my refund request. The request did not make any sense to me to respond to the incident where a refund was requested. In other words, the dispute was for a refund. That's all. I can't state it any clearer. Hence, what information can I give them to clarify the situation. I did not respond to the additional information letter, nor did I ever in the past and I still received my refunds on all my disputes. The only difference in this situation is that TD Bank was attempting to make something out of this case due to the high dollar amount of {$270.00}. I asked for my money to be refunded on or around XX/XX/XXXX ( my dead brothers birthday ) TD Bank remitted their final letter to me demanding that I take up the issue on my own. I have tried to call, but again no success. I saw no reason to reply to a moot point. 

TD Bank, located at : XXXX XXXX XXXX XXXX, XXXX, Delaware, XXXX please have my {$270.00} returned and my rights restored. Thank you, XXXX XXXX Be Fair to me. Please return my {$270.00} please. My 6 years of loyalty. My $ XXXX/mo XXXX direct deposit was compromised by more than half all FOR A REFUND!
Product: Credit reporting or other personal consumer reports

Hello, I noticed that there are several fraudulent accounts that are inaccurately reporting on my credit reports. I have reached out to the credit agencies to inform them that I was a victim of identity theft and that these accounts do not belong to me. I included in the letters attached all of the inquiries and accounts that are fraudulent.
Product: Mortgage

XX/XX/2018 I have been paying interest only on my HELOC ( BofA ). ( background information : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX. They said the term is up and from my XXXX monthly payments ... it will now go up to {$270.00}. a month. 

I asked for a remodification of the XXXX owed. They sent me paperwork for NOT JUST MY HELOC ... but also for my first mortgage. Which I never asked them to do! 

Now I'm getting phone calls and they hang up on me when I try to respond! I will borrow the {$270.00} they ask for ( due XXXX XXXX, 2018 ) ... but am trying to find an outside loan source in the interim to get RID of this company. 

Are all XXXX XXXX  treated this way by Bank of America??
Product: Credit reporting or other personal consumer reports

To my surprise, I found false accounts on my credit report this morning, and I have no clue why this is happening. Ive always checked my report regularly, but this time, there were errors I didnt expect. I refreshed the page thinking it might be a simple glitch, but the wrong accounts stayed there. Im now pleading for a thorough check of my documents so this issue never troubles me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I started disputing some inquiries that I never approved of, and obviously did not obtain credit for. 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: Debt collection

On XX/XX/XXXX I called Ability Recovery Services LLC and set up weekly payment arrangements with XXXX XXXX. He told me that because I responded to the debt so quickly, that it would not be reported to credit reporting agencies. I repeated this back to him to verify that the debt would not show up on my credit report. On XX/XX/XXXX this debt showed up on my credit report. I immediately called ARS and spoke to supervisor XXXX XXXX who told me that was no their policy and there was nothing he could do. He advised me that he would go back and listen to the tapes but it wo n't change anything. I pay them {$200.00} a month from a {$1300.00} a month salary to get this debt taken care of as soon as possible. My credit score dropped 4 points because of this. XXXX XXXX told me if the debt is n't paid in 30 days, they report it, which I was never told. I 'm trying to repair my credit and would have tried to make arrangements to pay in full had I known this. Not happy about the lies. Poor business practices.
Product: Debt collection

Charging my account late fees for a payment i already made that they did a payment reversal for in the same day i paid this bill the first time. And then wasnt notified until about a week after i tried to pay it, navient tried to say i was late again on my payments. The first time i paid it was {$110.00}, and then jumped to {$170.00}. Which is ridiculous being that they claimed my bank account wasnt recognized, but when i paid the first time it showed the name and location of which my bank account was from. And i paid this bill on a tue that wasnt a holiday, so there was no excuse for why my payment wasnt processed and went through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am writing this letter to inform you that I am a victim of the discrepancies of accounting by Ocwen Loan Servicing of my mortgage account for my house. I purchased my house new and have lived at this house for 30 years as of this past XXXX XXXX. We started with XXXX Mortgage then the loan has been shuffled around over the years to quite a few companies including XXXX XXXX Mortgage and Homeward Residential. Lastly we found ourselves being serviced by Ocwen Mortgage. I had absolutely no say or real notice of these transactions over the years. I presumed that this was a common practice for servicing companies and banks. A few days ago I received a letter from a company I had not heard of before named XXXX. Nationstar documents they sent to me stated they were now in charge of servicing my mortgage. Again I presumed this was just normal day to day banking activity UNTIL I read the documents from XXXX stating that the documents from Ocwen claim that I was delinquent for the past 6 months. THAT IS AN OCWEN LIE! I called Ocwen over and over again only to be shuffled between XXXX and the XXXX. No one would give me a straight answer as to where my payments had been going. I went to my bank, XXXX Bank in XXXX California, as well as checking all of my online activity. All documents confirmed that each payment was made on time and that Ocwen had received and cashed each check. Apparently the payments were either credited to someone else 's account of were stolen by an Ocwen executive. Upon further investigation I found numerous charges ranging from fees and insurances which were unfounded. I have always had insurances and had always notified Ocwen proof of insurance directly from our HOA and private insurance company XXXX. Next of course I called XXXX and explained these facts to XXXX people in several different states. I finally was able to be contact XXXX XXXX at XXXX in XXXX California. He was and has been very helpful in trying to untangle this accounting mess. I searched online and found that Ocwen has been deceiving clients like me for years and has been levied with millions of dollars in fines by CFPB. Apparently Ocwen has been collecting payments from many of their clients as me and not applying the accounting. Then Ocwen shuffles us to other service providers with documents stating we are delinquent, in my case 6 months ( A LIE ). Ocwen pockets ( steals ) these funds leaving us with destroyed FICO scores, decimated financial reputations, delinquent status, threats of foreclosures, and a cold shoulder. I have documents from my bank that Ocwen received the funds and " cashed the checks ''. A guess would be that someone at Ocwen has hidden my money in an executive 's XXXX bank account. XXXX has promised not to move forward with any foreclosure nor fines and fees until this is resolved. I hope they keep their word.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America charged off an account that was never late on payments and sold it to a debt collector. violating 15 USC 1681 s-2, 18 USC 894 , 18 U.S.C 1028A , Gramm-Leach-Bliley Act
Product: Credit card or prepaid card

I was a Wells Fargo customer for over 15 years with a checking and savings account, and for a slightly lesser time a credit card. About a year ago, I closed my Wells Fargo checking and savings, due to holds on deposits and blocks on my debit card for no justifiable reason, in addition to constant high pressure sales for more accounts, and consistent news regarding their unsavory business practices. For several months after closing my deposit accounts, I continued making regular payments to my Wells Fargo credit card from my other bank checking account. There was never a returned payment, and never a late payment. Suddenly and without warning or reason, about 2 months ago Wells Fargo started placing long holds on my payments made to the card. The first hold, I called customer service and was transferred a couple of times, before being told that the department that handles those holds is not " customer facing '' and the only option for contact was to request an email be sent from them that I could respond to. So, I went forward with that process and spent about a half a day before I was able to have the hold removed. I have now had to repeat that process several times - with even a 'test ' payment I made of {$100.00} being held, as well as any larger payments I've made. The department handling the holds or release of holds is not open for the same extended hours that general customer service is, so twice now I've called, been placed on hold, been transferred twice ... only to be told that the department is closed and I'd have to call back the next day. I have asked why this is happening and have not received an answer. I have asked how to avoid this on EVERY single payment I make, and not received an answer. Last week, I applied a payment to the card that would clear the balance to XXXX - while I don't wish to close the card, due to the long positive history I have with it being necessary to maintain my credit rating, I was so tired of being bullied into opening another Wells Fargo account just to have this stop happening. As it stands, I made that payment on Friday, it was " processed '' by Wells Fargo and cleared my other bank checking on Monday, and as of today the payment is still being held. I called this morning and after two transfers, the 3rd person I talked to suggested that it was the size of the payment causing the issue. I argued that they'd even held a {$100.00} payment when I was testing things out. She then suggested it was due to the outside bank being the source ( even though my payments have been coming from that same account without issue for months ) and made reference to a Wells Fargo checking, as many before her have done. Wells Fargo continues to bully their customers, operate in a way that causes undue inconvenience, and proceed with a course of action that they only get away with due to their size.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/, My payroll never became available in my account from XXXX XXXX XXXX. When I called the bank, they advised me that a freeze or receivership was placed on the account. They advised me to contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

All I have been given is a notice of Default judgment from the Justice of The Peace in XXXX County Texas from 7 or 8 years ago. There is nothing in these documents from Speedy Cash with my signature or anything showing that I incurred this debt. However, XXXX XXXX has frozen my checking account and savings at XXXX XXXX XXXX, and I can not pay for electricity, pay my bills or get prescriptions from the pharmacy as I am a XXXX XXXX XXXX XXXX XXXX advised me that she is only the receivership and that another law firm got the judgement against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I have contacted that law firm, but so far, no response. I do not owe this debt. I have never been to Speedy Cash, and I believe it to be case of stolen identity. I had an issue about the same time as this where I had to contact the IRS because I received W-2s from a company that I never worked for. I now have to get an IP PIN from the IRS every year to file my taxes. My duly earned payroll is being withheld, and I do not owe this debt. The default judgment was for {$1100.00}. XXXX XXXX states that I owe over XXXX dollars. PLEASE HELP. I have no idea what to do or where to go from here.
Product: Student loan

I never applied for any student loans ; I never went to college. 
Sallie Mae lists on my credit reports XXXX student loan accounts ; XXXX are Joint, XXXX are Individual. 
The open date and account number on each XXXX account coincides with the same open date and account number on each XXXX account. 
( e.g., open date XX/XX/XXXX, account ending XXXX ; open date XX/XX/XXXX, account ending XXXX ; open date XX/XX/XXXX, account ending XXXX )
Product: Debt collection

XXXX was cancelled immediately because their store rep, who signed me up, issued my password and gave it out publicly-this is against store policy. its like someone knowing your ATM PIN. I returned the products & cancelled immediately. XXXX still overcharged an additional {$5.00} which I had removed. I wasnt even living at that property.
Product: Credit card

I applied for the XXXX XXXX XXXX XXXX from Synchrony Bank with an offer of XXXX XXXXXXXX XXXX  for spending {$3000.00} within the first 3 months of card membership. I was approved with a credit line of {$1500.00}. The main issue I encountered was the bank refused to free up my used credit line even a week after my payments had been posted. It was very annoying to not be able to use my card for purchases due to both the very low credit line and extremely long time for my available credit to free up even a week or more after my payment had been posted. 

This was especially apparent in the last few weeks of the offer period where I simply could not charge enough to the card to reach the advertised bonus since I was given a quite low credit line and had to wait an unreasonably long time for credit to free up even after payments had shown as fully processed. I ended up being able to spend {$2900.00} out of the {$3000.00} required for the offer. I called the bank and explained the situation hoping they would make an exception since their system simply did not allow me to do the necessary spending. They said they would open a case and get back to me but I never heard back. This was back in XXXX
Product: Debt collection

I received treatment by XXXX XXXX XXXX on XXXX. They sent the bill to collections through United Collection bureau XXXX for {$600.00}. 
I paid the {$600.00} in full. 
My health insurance paid the claim on XX/XX/2021. The collection bureau is refusing to refund or correct the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information that have been put on my credit report. It is nearing 60 days and I have not received a response yet. It seems as though I am being taking advantage of and that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to remove these items immediately, we are approaching 60 days. I have pointed out and showed proof of this inaccurate information and there is nothing being done. I would like for you to delete these items promptly or I will be filing litigation because of the stress you have caused me. My information was also compromised by the Equifax data breach which has also have me worried and stressed out that someone has had access to my personal information.
Product: Student loan

I have disputed my payment history being reported incorrectly on all XXXX of my credit files. I have never missed a payment due to the fact that all of my loans have been in deferment and/or forbearance throughout the life of loans. My credit report indicates serious delinquency on my payment history ; however, the XXXX reports the correct information. Which indicates that I have never defaulted on any of my loans and/or missed payments. They are ruining my credit score. It is bad enough that they report each loan individually on your credit so it appears that you have multiple installment loans open with high balances. ( XXXX University )
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report, not proof of verification was sent to me as proof that these accounts belong to me. My credit report is still reporting an accounts for XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  I demand that you remove these accounts from my credit report. I am trying careful notes and will have to file a sue if the accounts are not removed. This has cause me great anxiety, stress, and financial hardship.
Product: Mortgage

This response is completely false. They are currently charging me {$2200.00} for a {$740.00} mortgage payment that is not not due until XX/XX/year>. I am paid in advance and yet they claim I am in default. Totally dishonest and fraudulent! XXXX XXXX XXXX