23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have sent XXXX letters ( attached ) to the Bureaus Inc. asking for validation in accordance with the Fair Debt Collection Practices Act 803 Definitions 15 USC 1692A. This would include a copy of the original contract from the original creditor - XXXX XXXX - bearing my signature. I have never received that. They sent a doc showing that they bought a bundle of debt from XXXX XXXX, and they claim XXXX XXXX is the original creditor but that is a lie. XXXX XXXX is the original creditor. Where is the original contract with my signature from XXXX XXXX saying I ever agreed to pay an assigned debt collector? They obviously do n't have it so they are breaking the law reporting me negatively to the credit bureaus. Further, if they believe XXXX XXXX is the original creditor, let 's see a contract with my name on it from XXXX XXXX. It does n't exist because XXXX XXXX is not the original creditor. This is not about whether or not I ever had a XXXX XXXX credit card. This is about whether or not I owe the Bureaus Inc. any money, and they have shown me no proof that I owe them one dime. Without my signature on the original creditor contract that shows I will ever agree to pay an assigned debt collector, the Bureaus is breaking the law by negatively reporting me to the Credit Bureaus. This is my last and final attempt to allow them to remove this item PERMANENTLY from all XXXX credit bureaus before I file a claim in small claims court in XXXX XXXX where I live, for $ XXXX. They will have to fly out from Illinois to deal with this and incur great costs and they will lose because they are breaking the law. I want this removed immediately, it is causing me great financial hardship. Thank you for your help!
Product: Mortgage

My current mortgage was on a forbearance due to loss of income related to COVID-19. I had an approved forbearance that I voluntarily terminated early and requested to be placed back into repayment status. I have never missed a payment and have a credit balance on my account. I was told my forbearance payments would be placed at the end of my loan, a calculation would be completed and my payments would resume. My loan was in good standing at all times. 
The mortgage company then reported my account delinquent in error and stated I was over 120days late. I disputed this with them as well as the credit monitoring agencies. I have called them on six occasions over the past 45days attempting to resolve the issue with no success. Im placed on hold for over an hour each time and no one can provide me any remedy, correction or accurate information regarding my dispute other than it was filed and will be processed. 
My credit score has dropped almost 200pts and I only found out about the issue when I went to seek credit for an auto loan and was denied. I have asked on multiple occasions to speak with a supervisor and have been denied. 
I am at risk of losing the ability to close on my refinance with another company and lose my rate lock due to this issue still going uncorrected. 

The mortgage company transfers me around and I have still not been able to speak to anyone that can resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I have had a lot ofl conversations over the phone and email the company chime refuses to help me and instead tells me it is my doing when it is not and i have more than proved it to them. 
the following transactions were taken from my account unauthrozed< - XXXX XXXX XXXX XX/XX/2020 {$34.00} - XXXX XX/XX/2020 for {$170.00} -XXXX XXXX XX/XX/2020 for XXXX -XXXX XXXX XX/XX/2020 for {$47.00} -XXXX XXXX XXXX XXXX for {$15.00} XXXX XXXX  XX/XX/2020 for {$100.00} XXXX XXXX XXXX XX/XX/2020 for {$310.00} XXXXXXXX Trip XXXXXX/XX/2020 for {$26.00} I have sent in my time cards from work showing that i was in a NM not NV, i was on the phone with someone from chime whlie it was happening one time, I have asked my accounts be closed and they still have not been. i have contacted the companies personally and have gotten emails stating that when the transactions were " being Made '' that the store was not even open. they still refuse to help me out and just blame me for doing the transactions.
Product: Credit card or prepaid card

I have written to XXXX XXXX/Rooms to go on a minimum of three occasions requesting proof that this account is mine. I have no recollection of opening an account with them and certainly did not fail to pay any amounts owed. 

They have not sent me a copy of the written agreement which supposedly I signed nor have they provided me with a pay history from the beginning of the alleged account opening. 

This charge off is harming my credit profile and score.
Product: Mortgage

My Credit Report dated XXXX XXXX, 2015 is showing several delinquencies for late payment. These periods are a part of a XXXX modifications. My Bank of America contact person for the modification told me that they are fixing all these once the modification is approved but I still see these payments marked as late. I send a letter to the bank disputing the late payments because I was never late and they send me a letter telling me that the information that they provide to the credit report is accurate and that information is the same as the credit report that I was dispute with them several months ago.
Product: Credit reporting or other personal consumer reports

I have a credit card with XXXXrst premier bank, I haven't used this card in over 3 months and i don't carry any balances on this card. I just recently lost my XXXX and XXXX, the card company is charging me a fee every month to have a card with them. In error i forgot to pay the {$10.00} fee, I wasn't notified about the late fee until it had climbed to {$57.00} dollars. I always put all my cards on auto payment as i have exceptional credit, this company doesn't have a auto payment feature in their system as they told me they stopped having it during covid and never put the feature back in the system. 
This is very stressful as i'm currently in the process of purchasing a home for me and my family, I just recently looked at my credit score and because of this {$10.00} 30 day late on my credit my score has dropped XXXX points from this issue. This will destroy my credit worthiness and history, Only because i wasn't able to put this card fee on auto payment. 
I have to manually pay {$10.00} every month. Im asking you to contact this company that hasn't been helpful at all. The company should at least have a option for auto payment, so if a customer has to pay this fee every month, he or she doesnt have to manually put a payment in for the fee of {$10.00}. I believe this is done purposely so most people will forget about the fee and be charged a late fee and late payment on their credit report.
Product: Checking or savings account

On XX/XX/2021 I made a payment via Bank of America online app to a credit card account for {$320.00}. On XX/XX/2021 that payment was " TRANSFERED '' by the bank to another different credit card belonging to me without informing me. When I received alerts from the bank advising that the original account was " past due '', I contacted BofA via telephone at the customer service 800 number on XX/XX/2021. The representative referred me to the credit card division at XXXX which I contacted via phone at approximately XXXX XXXX. The first representative that that I spoke to, could not resolve the problem at which time I requested to speak to a supervisor. After more than 15 minutes on hold I was connected to a young lady who identified herself as XXXX, the supervisor. In an effort to resolve what I believed to be a minor problem, this young lady requested my entire 9 number social security number and my full drivers license number. She sent me codes on email and text messages, to which I responded. As she was still unable to resolve this issue, I requested yet another more senior supervisor. After another 13 minutes on hold XXXX returned to advise me that there was no other supervisor available. This unnecessary ordeal was a waste of 1 hour and 35 minutes of my time as well as the banks.
Product: Money transfer, virtual currency, or money service

My account at Paxful has been frozen since 9 months and Paxful claimed that it is under compliance review. Till today this review did not finish and Paxful is not allowing me to withdraw my funds. it is an amount of XXXX. I want to withdraw my funds
Product: Checking or savings account

I'll try to keep this concise. 

I've been using Dave for 3 years, begrudgingly for 2. In all that time, I've never actually been able to transfer cash out of Dave.

Setting it up was super easy, the initial few thousand sent to Dave from my

credit union went very smoothly and without a hitch on either end. However, the first time I tried to pull cash out back into my community credit union account I was told the " verification issue '' was because my account was too new and it was to prevent fraud and I'd have to deposit more cash or get a debt card from them to withdraw from an atm instead. 

When I tried to withdraw from atms, the card would decline either as stolen or have an error code of another kind. The same thing would often happen at the gas station, leading my closest XXXX XXXX ( XXXX ) to add it to their speil they tell me that dave 's cards often refuse and to expect it to - probably in part due to my experiences with them. 

So I waited, and the app told me I would be faster verified if I added direct deposit - so I added that, and now I have XXXX in dave and over a year of history, that should make me ultra verified and make transferring smooth as butter, no? Wrong. 

Suddenly dave is having issues with my credit union, and is working on a fix. Fine, I'll wait for that issue to be resolved, and then I'll finally be able to transfer that cash out, and actually use it.

That was 2 years ago. I've tried contacting dave support every few months to see if the XXXX issue is resolved, to see if the verification issue has been looked into with my account, to see if there's any way to actualy withdraw more then {$100.00} at a time without my account being flagged and it being a massive hassle to resolve. 

I get told they're " looking into a fix '', I get told " there doesn't seem to be a verification issue with my account '' ( despite the app always telling me there is ). I'm still setting off fraud alerts any time there's a significant amount of money out, smooth as butter to put thousands of dollars in though. And looking back at the photos of chat responses on this issue, I don't even think they're looking at my account, it's just the same copy/paste response about what SHOULD work but doesn't work at all for me, along with " we're working on a fix! : ) '' for literally 2+ years now. 

To end before ranting any more, if what I'm describing isn't illegal, it definitely should be.
Product: Mortgage

Mr Cooper purchased my mortgage from XXXX XXXX XXXX  back on XX/XX/2019. 
I have made every mortgage payment in the history of my loan. No late payments no missed payments. 
I purchased my home for $ XXXX total. I put down XXXX bringing my starting loan balance to {$300000.00}. 
To date I have paid {$8700.00} towards principle. I would expect Mr Cooper to reflect my outstanding loan balance as {$300000.00} - {$8700.00} = {$290.00}, XXXX unpaid principal balance. 
Mr Cooper is reflecting my unpaid principal balance as {$300000.00}. 
This is a huge issue and I need someone in authority to correct. 
I have ALL my statements showing every principal payment and amount as well as my starting loan balance.
Product: Credit reporting or other personal consumer reports

PHH Mortgage sold our loan, causing a closure and decline in our credit report and we were unaware that the loan was being sold. The new company, XXXX XXXX, checked credit, without our authorization causing another decline in credit score. When loans are sold and purchased from one company to another, credit scores should not be effected because consumers have no control over these types of transactions.
Product: Mortgage

I recently refinanced my home mortgage, originally with XXXX XXXXXX/XX/XXXX I have never missed a payment, or even been late. I refinanced {$350000.00} into another XXXX XXXX XX/XX/XXXX mortgage in XX/XX/2020 at a lower rate ( good for me ). In XXXX XXXX XXXXXX/XX/XXXX sold my refinanced mortgage to Citizens Bank, as they were entitled to do. Unfortunately, the new lender, Citizens Bank, seems impenetrable. I am unable to track what happened to the escrow money, and I can not understand what happened to the principal balanceit went UP. Worst of all, it is extremely difficult to get anyone at Citizens Bank on the phone. Dont they have an obligation to be available to their mortgagees? Over the last several weeks I have tried calling their customer service XXXXnumber XXXX multiple times. Only once have I been able to speak to someone XXXXXX/XX/XXXX XX/XX/XXXX? ) said to check again in a week ). It usually says that due to high call volume they will call me back in a day or two. On Tuesday of this week their message said their call-back system couldn't call me back until 4 days later. Huh? Their secure messaging webpage offers a 5-day turn-around on messages. This is ridiculous. This lack of availability is certainly terrible customer service, but is it in compliance with federal regulations? 

I have a simple issueI just need Citizens to be reachable to explain what happened to the escrow money and the principal. But they seem unreachable. 

From a regulators standpoint I want you to know about this difficulty, and I thank you for your assistance and advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a complaint that was filed through the CFPB on XXXX. They used to Be IDA. XXXX failed to tell me in there long winded response if it was still frozen. My prior address was XXXX XXXX XXXX XXXX XXXX, MN XXXX when I froze this report. I faxed all documents to XXXX. Way back. If IDA went under a name change that does not mean my credit file should still not be frozen. I want the CFPB to see previous response. They did not address if my file was frozen.
Product: Credit card or prepaid card

I have a secured card through capital one that I have been using for about 2 years now. I set up my account on auto pay and have made all payments in a timely manner to this account. In XXXX XXXX I made a large payment of over 400 dollars to pay my account in full. Payment cleared and I thought everything was taken care of. Fast forward to now. I get an alert on my phone that info changed on my credit report and that this account was late. I went to the app immediately and see a charge 48 and change. I look through the account summary and see that the month prior to paying my account in full my payment was returned and I was charged a late fee of XXXX and an interest charge of XXXX AFTER my account had I thought been paid in full. As of the XXXX of this month because I did n't pay the late fee I was charged an additional late fee on top of the late fee as well as additional interest on top of interest. How predatory can you get!! I called in on XXXX XXXX and waited on hold for over an hour to be told by a representative that they will only waive one fee. I asked for a manager who I sit on hold for even lomger for him to say that he wo n't waive anything further and there is no one over him to talk to except to write into the corporate address. This is absolutely unfair practices. I understand my payment had been returned which I was unaware of but to charge late fees on top of latest fees and interest on top of other fees is ridiculous. So had my payment been in full minus that late fee, they still would have charged me interest and this is 100 % unfair way of doing business.
Product: Debt collection

I am writing to address a concerning matter regarding my credit report. Upon reviewing my recent credit report, I noticed that there is a late payment recorded on XX/XX/2021 for my XXXX XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Acct. # last XXXX digits 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 Sectio 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting

I have attempted numerous times to have the below items removed from my report regarding identity theft. The bureau keeps responding with stall tactics after I have sent my ID, Proof of address and police report.
Product: Credit card

XXXX estimated XXXX of items ordered from Home Depot on XX/XX/XXXX of XXXX 
Once i received text message of delivery, I immediately checked for package. I only received XXXX item. I contacted Home Depot to notify of the non delivery. I attempted multiple times to request documentation of delivery. I never received. As I continue to dispute the transaction, Home Depot places me on hold and then transfers me to different departments until the office is closed. This has happened multiple times for several hours.
Product: Checking or savings account

On XX/XX/2024, I received an email telling me my account email address and phone number had been changed. I called and let them know, that was not me. A couple of hours later, I watched {$1600.00} being taken out of my savings and put into my checking. I called again, they told me not to worry. I woke up on XXXX  and there was a purchase for {$1500.00}. I called again, they told me it was being handed over to the security department. I locked the card. I woke up XXXX  morning and there were XXXX more purchases for the total amount of {$2200.00}. Once again, I called and demanded they shut down the account. They told me a new debit card was being mailed. I have been in contact with them every day since and I am getting nowhere. All they tell me is " our security team is working on it. '' I am living off of my credit card and will have no way to make the payment when it is due, let alone pay the bill. 
Credit Karma is supposed to be protecting me, I feel like they aren't doing a thing to help.
Product: Student loan

I attended XXXX XXXX in 2012 and they did n't not tell me that I was signing up for student loan, i was first to get my XXXX which I never did. So I got charged for a student loan that I never finished or even got a XXXX, and they signed me up for college! Now I have a XXXX debt on credit score for something that 's was not explained to me. If I new that I would have never sign.
Product: Student loan

MOHELA refuses to change my principal according my last payment, despite the fact that it was *auto-debited* ( successfully, according to their own system ) by *their system*. I have contacted them numerous times about the matter and nothing has changed ; I received one message in response that claims the amount is correct, despite their own paperwork. I notified them that if they did not address the matter, I wold be forced ( yet again ) to lodge a CFPB complaint ... no response, so here we are.

I will attach my previous two, and the upcoming, auto-debit notices. They show the following : document of XX/XX/XXXX : CURRENT PRINCIPAL BALANCE : {$20000.00}XX/XX/XXXX : CURRENT PRINCIPAL BALANCE : {$20000.00} XX/XX/XXXX : CURRENT PRINCIPAL BALANCE : {$20000.00} Each featured an automatic payment made of {$270.00}. Obviously, a payment toward principal ( {$190.00} ) should decrease the principal by that amount, not increase it by an arbitrary amount.

The correct principal amount should be {$20000.00}. It is quite straightforward! Instead, they actually *increased* my principal slightly!
Product: Checking or savings account

On XX/XX/XXXX I received a message that {$180.00} was being deducted from my account. I immediately contacted Wells Fargo and XXXX stating that these transaction was fraud and my account was being used without my permission. I submitted a dispute with Wells Fargo immediately to verify that this is fraud. I contacted XXXX in California to immediately stop the transaction before the person left the store with the product. When I contacted Wells Fargo on XX/XX/XXXX, I spoke with an agent and she stated ( please pull the recording ) THAT WELLS FARGO MESSED UP AND THERE IS NOTHING WE CAN DO ABOUT IT! You WILL HAVE TO GO TO SMALL CLAIMS COURT BECAUSE IT CLOSED ON OUR END. 
please pull recording with the dispute/fraud dept. 

ALSO speaking with the XXXX agent on duty in California she stated that the customer was not required to give/provide id- now that is suspicious?
Product: Credit reporting or other personal consumer reports

A late payment being reported which I have never been late on XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I had some unknown transactions sent from my account to another account
Product: Consumer Loan

On XXXX XXXX, 2016 I went in to XXXX XXXX XXXX because I was told that I could finance using my XXXX. I was approved by Capital One Auto Finance to finance a vehicle with a down payment of {$4500.00}. I paid my down payment on XXXX XXXX, 2016 ( {$2000.00} in cash and {$2500.00} on my credit card ) and received a receipt from XXXX XXXX XXXX. My first payment of {$410.00} was dues on XXXX XXXX, 2016 and I paid this on time. The vehicle was towed by Capital One Auto Finance and I received a letter from them on XXXX XXXX, 2016 which stated the vehicle was taken back, " because you broke promises in our agreement. '' I called Capital One Auto Finance to find out why exactly the vehicle was taken from me. They informed me that they could n't finance someone with an XXXX because it was against their policy. I asked how they could approve me to begin with and then accept not only my down payment but the first month 's payment as well. And on top of that, I asked how they approved me for a credit card through Capital One Bank ( at the time I banked with Capital One - I 've since closed my accounts ). They were unable to explain why. I asked when they were going to refund my down payment and first month 's payment and they stated they would n't. I expressed that if it is against their policy to finance people with XXXX then they should approve them in the first place and then take their money. I called Capital One Auto Finance 's fraud department and they also told me that they were not going to return my money to me.
Product: Vehicle loan or lease

I am XXXX XXXX and Im submitting this compliant myself with no third party involved. 
I, consumer, natural person went into XXXX on XX/XX/XXXX to purchase a vehicle. I told them I already had a pre-approval through a specific financial institution. They proceeded to violate my consumer rights and run my credit to XXXX XXXX. I didnt authorize this transaction and I want it removed immediately. The same company ran my credit without my authorization on XX/XX/XXXX as well. I want these removed from ALL agencies immediately.
Product: Checking or savings account

Regarding complaint XXXX I requested you subpoena the internal email messages to PNC and NOT IMs. There were no IMs! 
They stole money from me- a significant amount! XXXX verified the charge was a mistake! Attorney advises those messages are available on their server! I want justice!
Product: Debt collection

I don't recall having a contractual relationship with CREDIT COLLECTION SVCS Account Number XXXX.