23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a notification on my Credit Report from Universal Acceptance. I called because they had put it as I was trying to buy a car. I called and said it was illegal because I was not trying to buy a car from them. This year a week ago it fell off my credit report and I have been making XXXX dollar payments every since she made it as though I was trying to get a car and pulled my credit report. They are in violation of my FCRA rights, they regard the debt threatened me to take me to court and garnish my checks, and the debt is out of the SOL ( statue of limitations ) in Ohio. The debt shouldnt have been collected any further.
Product: Mortgage

Dear Bank of America On XXXX XXXX XXXXXX/XX/XXXX you accepted a payment of {$2800.00}, which included payment for my XX/XX/XXXX XXXX XXXX payment, and this online payment was immediately remitted to your company by my bank and cleared on XX/XX/XXXX in this total amount paid to Bank of America XXXX XXXX. 

In error your company reversed the credit for this bank-cleared payment on XX/XX/XXXX by internal mortgage notes, and by official entry line on XX/XX/XXXX allegedly due to non-sufficient funds of a partial amount of {$1400.00} that was part of the total payment of {$1400.00}. 

My bank, Bank of America NA did not ever nor currently does not ever issue partial returns of payments due to non-sufficient funds. 

Your payment history for the above-stated loan does not have a returned payment anywhere in XX/XX/XXXX claiming a return of {$2800.00}, the amount your company accepted on XX/XX/XXXX. 

Your Regulatory Agent XXXX XXXX has failed to have any contact with me since XX/XX/XXXX, after I provided him with proof of this payment and Bank of America Home Loans acceptance of this payment and is refusing to respond to the open CFPB complaint regarding this matter. 

Your company concealed this payment credit reversal that caused XXXX unlawfully automated late fees transferred to XXXX but caused all payments made after XX/XX/XXXX for XXXX to be reverted back one month more in arrears than they were paid for, causing unearned fees to be transferred to XXXX and that caused all XXXX  payments to be unlawfully reverted back XXXX month more in arrears than they were and caused premature principal acceleration in XX/XX/XXXX when I had no payments 30 days late or more as of XX/XX/XXXX. 

Should I not be able to obtain relief in recalculation of the payment dates each payment was made for due to error in line entry dated XX/XX/XXXX, I will be forced to seek relief with counsel in XXXX XXXX District Court to obtain this relief that due to fraudulent concealment by Bank of America Home Loans and non-disclosure of this material fact in the lack of notice, collections attempts, in my billing statements and credit files over 10 years, this corrective action is required immediately, as it is affecting my XXXX loans payment history unlawfully and negatively. 

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 or prepaid card

In XXXX, I purchased a couch from a XXXX furniture store in the XXXX XXXX XXXX CA XXXX Mall for approximately {$1800.00}. There was a year financing program being offered at the time, of which I took advantage. When I got my first ( and only ) paper statement, I divided the purchase price by twelve and set up automatic bill pay in order to pay off the balance in full prior to the expiration of the promotional period. The payments were setup so that Comenity Bank ( XXXX, Ohio ) received them on the XXXX of every month. According to the Bank, I was assessed a {$27.00} late fee because the payment scheduled in XXXX of last year was not processed until the XXXX because of XXXX XXXX. I was not advised of this fact at the time because I never received another paper bill. Supposedly, the Bank was sending e-mails which directed me to sign into their web site to see my bill. I never signed up for paperless billing and I dont do paperless billing with any of my accounts. ( Im old school I want a paper record for every financial transaction. ) I only learned of this outstanding balance in XXXX of this year when the Bank began calling and finally sent a paper statement. At the time of their first call, the Bank insisted that I owed them {$54.00} XXXX and growing ) due to the unpaid {$27.00} plus interest. I offered to compromise and pay the {$27.00} late fee from XXXX. The Bank declined. 

After spending several days taking this matter up the Banks hierarchy to no avail, I filed a complaint with the XXXX XXXX XXXX XXXX XXXX Ohio against Comenity Bank. At that time I discovered that the Bank had received four ratings from its hometown XXXX  - three Fs and one C. On XX/XX/XXXX, the Bank responded to my complaint by repeating that the charges are valid and increasing my balance to {$330.00}. So since this dispute began I have been assessed another {$280.00} of interest on the original {$27.00} late fee. This is unconscionable. 

I paid the original purchase price, in full, in less than the twelve-month promotional period. Given that I have not been able to go into my office for more than a month and my income is down more than fifty percent, I do not intend to be extorted by a corrupt credit card company no matter how small the amount. Companies like Comenity Bank are making a horrible situation worse. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion lowered my score due to balance decrease of {$11.00} and change of Account number was change pertaining using services with XXXX XXXX  by 17 points. This circumstances shouldn't decrease my score but increase my score just as it did with XXXX by increasing my credit score by 32 points. The account number change was due to XXXX XXXX updating their application software on XXXX XXXX and had nothing to do with theft or simply replacing the account. Transunion is wrongfully giving me a lower score when Im simply making on time payments.
Product: Debt collection

Per California Consumer Protection Act documents, I received from Velocity Investments it appears Premiere Credit of North America ( PCNA ) has a error with their files. This is an attempt to correct YOUR records, any information obtained will be used for that purpose. 

Per CCPA document, it reads the following - - XXXX XXXX XXXX XXXX - Premier Credit XXXX XXXX XXXX Please do the following - - VALIDATE the Debt - Proof that this 'debt ' is under the statute of limitations - Do not call me directly or by third party - All communication must be in writing via CFPB.gov
Product: Mortgage

I purchased a new construction, single family home in XX/XX/2018 from a developer in XXXX. That developer bought a parcel of land and built three single family homes on the lot but didn't submit an application to divide the parcel to XXXX County at closing. Before the parcels were divided I received a tax bill for all three ( 3 ) of the single family homes the developer built on the parcel ( ~ {$62000.00} ). I immediately called and emailed my mortgage servicing company, Shellpoint Mortgage Servicing, and informed them of the error, as well as explicitly informed them not to pay the taxes. This was about a month before the taxes were due so they had plenty of time to amend any automated systems. Nonetheless, they paid the tax bill so my tax escrow shows a negative ~ {$43000.00} balance. I realize this is a paper error ; however, I am attempting to refinance my home to what are now historically low interest rates that will save me more than {$50000.00} over the life of the loan. But I can't get a clean payoff statement that reflects what I truly owe. 

I've made probably 40 phone calls and sent ten emails to the Shellpoint team that are always met with confusion, misunderstanding, misdirecting and generally useless customer support. This issue has been outstanding for close to five months and I've had to give up one rate lock already then pay money to lock again and keep my new rate. I've found maybe one or two customer support reps that were helpful and genuinely tried to fix my issue. The balance were rude and just trying to get me off the phone. Time and time again they implore me it's been escalated or that a manager will call but that never happens. I've tried kind approaches and I've tried to be stern but nothing seems to work. I feel like they don't care and aren't doing anything to amend their error. Just today I called the County to see if they've filed a refund but nothing has happened. I feel helpless and this mistake is costing me real money, as well as distracting me from my work and family. Please help!
Product: Student loan

So I'm currently XXXX XXXX I've been in since XXXX. I am currently looking into buying a house so when I get out of the XXXX  my family won't be homeless. My lender ran my credit and saw I had like XXXX in collections from unisa Inc and I don't even know who these people are. They say it's a private student loan I took out in XXXX but I was told by the people that helped me fill everything out at the school that I was just going to have federal loans which are currently under XXXX and are in deferment due to my situation. I'm sure I would have remembered taking out a private loan. Also after contacting them abiut the situation and asked for them to send me proof right away and I still haven't received anything and it's been almost a week. They said they tried to contact me for years yet I never got an email or phone call. Honestly feels like a scam and it's putting a halt to my home buying process.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on XXXX/XXXX 2018 noted on my credit for those months. 

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, or an internal bank error. I was certain that the payment went through and I've spent countless hours with your representatives that they mentioned that it would be resolved since last month. I just refresh my credit report and noticed that it still there.
Product: Credit reporting or other personal consumer reports

Paid with settlement pay to delete. My confirmation email is attached XX/XX/2024
Product: Credit reporting 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 a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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 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 XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a letter of collection for a credit card debt from XXXX XXXX. With a card used from XXXX XXXX in XXXX or XXXX XXXX with my name and information without any of my knowledge. 
I also was a victim of identity theft in 2023 which could have resulted in this happening. 
The account was used in XX/XX/year> and through XX/XX/XXXX in XXXX XXXX mainly at a XXXX super center with an account ending XXXX. I live in XXXX XXXX Louisiana. The credit collection XXXX XXXX XXXX XXXX XXXX XXXX XXXXs asking to pay a debt that is not mine for {$9700.00}. XXXX  Account # XXXX. Which I first found out about this XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and data breach through XXXX. I sent in a letter in XXXX to update the information, but I have yet to have my address updated to the correct address. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Follow up from CFPB file XXXX I was asked to provide proof of my social security number, via phone call placed XX/XX/XXXX. Due to my family and I being displaced, and homeless, ( due to the debt in dispute ), I am unable to receive correspondence. I express my apologies, as I will fully cooperate in any part of this investigation, to get this debt removed. 

ORIGINAL COMPLAINT In XXXX of XXXX, I submitted a dispute to Transunion against XXXX XXXX XXXX  ' attempt to collect a debt not owed, of over {$16000.00}, on behalf of XXXX XXXX XXXX XXXX. To validate my claim, I uploaded a Writ of Re-Entry document, granted by XXXX XXXX in XXXX  of XXXX, granting access to the unit, ruling there was no prior rent due, nor prior debt owed to the community. Also included in the uploads were court documents showing XXXX XXXX XXXX ' cause of eviction, including a XXXX  balance, on the rent balance owed line, submitted to the Court. CFPB file number XXXX ( to include the same company in the same dispute ), upon completion of the investigation, was submitted to the FTC for enforcement XXXX entering XXXX XXXX XXXX XXXX into the Consumer Sentinel Network . Because of this finding Transunion, ( nor any other credit bureau ), should not be allowed to uphold a debt that was fraudulently submitted against court orders and referred to the FTC for enforcement by the XXXX XXXX XXXX XXXX. XXXX XXXX XXXX attempted to present a court document regarding an eviction case they lost in XXXX of XXXX, citing rent owed, however in this case the Court too, ruled in my favor, as XXXX XXXX XXXX  cashed the money orders presented via XXXX XXXX, and filed for eviction without cause. Because they lost the original case in XXXX, I was still a resident, illegally locked out of the unit in XXXX, with a Judge granting my access to the unit in XXXX. Upon being escorted to the property via a XXXX XXXX XXXX, we discovered ( the deputy and I ) the unit had already been rented to new tenants, with my property disposed of. Between the Writ of Re-Entry dated XX/XX/XXXX by the Court, and the filing of this debt placed on my credit report, the same month after the Judge ruled, against Court orders, is upholding this community in retaliation, as the same community in the complaint acknowledged prior, no rent being owed as their Cause of Eviction in XXXX. My argument is because my family and I were locked out in XXXX, with no balance owed, XXXX XXXX XXXX should not be allowed to collect for a debt not owed nor disputed in the original argument that XXXX XXXX XXXX lost in court. They placed this debt on my credit report, against court orders, to retaliate against me.
Product: Checking or savings account

On XX/XX/2019 I called chase bank in order to stop transactions of my credit card that was utilized to purchase XXXX dollars in gift cards from XXXX. 8 gift cards at XXXX dollars each. The gift cards numbers were stolen and utilized to purchase merchandise that I did not authorize and tried on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX th and on multiple other occasions to stop any transactions. The manager of XXXX informed me on XX/XX/XXXX that they would not freeze these gift cards nor cancel them despite the scam, fraud and theft. I called XXXX again on XX/XX/2019 after speaking with Chase Bank due to XXXX stating to my bank these were authorized transactions even though XXXX managers were informed that this was fraud and I wanted these cards canceled. XXXX had time before shipping out of any and all merchandise that were purchased with stolen card numbers to stop shipment due to me informing the staff and manager. The Manager called the staff together following my complaint about fraud And theft and informed the staff that they should make sure to not sell 8 XXXX dollar gift cards without checks and balances. I spoke with the employee XXXX about this and she sent an email to her boss about this situation and o never received a call back. I was given a lost and stolen number fro XXXX which only told me to reach back out to the store again to report. I also reached back out to chase to refund the money that was from stolen gift cards and they stated that it was a good transaction even though none of the merchandise was sent to me due to gift card numbers being stolen. Chase was informed of the fraud and theft that took place from this purchase and continued to look for loopholes instead of freezing the funds when notified by the customer and allowed the customer to be compromised.
Product: Vehicle loan or lease

I never received a loan. Each party received actual cash value on the exchange. You have performed fraudulent Title 15 collections against me, making me believe I receive a loan from you. I received no such Thing. It was an exchange of actual cash value for actual cash valueXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX Has material breaches of the binding arbitration agreement that was entered into on XX/XX/2022, have occurred. 15 U.S. CODE 1640 ( A ) RETURN OF PROPERTY THE SUM of XXXX XXXX XXXX XXXX XXXX  and XXXX cents. {$150000.00} PAYABLE TO XXXX XXXX XXXX XXXX 15 U.S. CODE 1635 ( B ) Return of automobile XXXX  XXXX XXXX Vin : XXXX 15 U.S. CODE 1635 ( F ) RESCIND OF CONTRACT AS IT WAS NOT PROVIDED 15 U.S. CODE 1644 ( A ) LL ADVERSE NEGATIVE REPORTING TO ALL CREDIT REPORTING AGENCIES UPDATED AS NEVER LATE PAID IN FULL UCC 3-311. ACCORD AND SATISFACTION BY USE OF INSTRUMENT Debt discharged, and a settlement. according to Uniform Commercial Code Section 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the instrument is refused, there is discharge to the extent of the amount of the tender of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. '' An EFT is an offer to pay. It is also a " bill of exchange.

Bill of Exchange Act 1882 : 43 Dishonor by non-acceptance and its consequences A bill is dishonored by non-acceptance UCC 3-415. OBLIGATION OF INDORSER ( c ) If notice of dishonor of an instrument is required by Section 3-503 and notice of dishonor complying with that section is not given to an indorser, the liability of the indorser under subsection ( a ) is discharged.

Uniform Commercial Code Section 3-604 : Any party making full tender of payment to a holder when or after it is due is discharged to the extent of all subsequent liability for interest, costs, and attorney 's fees. The holder 's refusal of such tender wholly discharges any party who has a right of recourse against the party making tender. 
Where the maker or acceptor of an instrument payable otherwise than on demand is able and ready to pay at every place of payment specified in the instrument when it is due is equivalent to tender.
Product: Checking or savings account

I had to move from XXXX to XXXX because of health reasons on XX/XX/23. I changed me address online. I received a message like in the past they had to verify it first. I racked up hundreds in fees because I never got their notifications. Thats wrong to take advantage of someone who cant drive because of health. Who did what they were supposed to do. {$8.00} a day is a rip off. I have worked in banking for 15 years. Every bank these days runs skeleton crews because theyre so cheap. I managed one. Every single person asks when employees go to them. How much money do they have with us. Its wrong. The things I could tell you guys.
Product: Credit reporting or other personal consumer reports

I noticed that my credit score with you company is significant different from XXXX and XXXX. For example, my score with XXXX is XXXX and XXXX is XXXX and with Experian is XXXX and this is impacting my XXXX  score. I'm always on time with all my payment. I haven't request for a new credit cars or loans for months. Why this is happening? Why my credit score decreases in the past couples of months? I would like to know the reason. I'm attaching a copy of my credit scores from XXXX and XXXX. 
Thanks.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX : XX/XX/year> XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you