23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

You never provided Verification or Validation of this alleged debt I asked for the XXXX oid and also the opt out document that presented to me during the consumer credit transaction. I also asked for the document with my consent for your corporation to put anything on my consumer report. I never received those documents and yet you still furnish the inaccurate information on my XXXX report Violation. 
Then if you look at 15 usc 1666b a down payment was given for both consumer credit transactions that shouldve have. You can not mix cash with a credit transaction. Theres no statue of limitation On fraud and as you can see your corporation and your partner XXXX XXXX are in default of both accounts due to the fact that they did not explain my contract conspicuously and due to the fact that you have no rights to the security interest in both transactions.
Product: Debt collection

On XXXX XXXX, 2017 @ XXXX XXXX, I received a call at work from XXXX. I answered and a man gave his name ( coulnd't understand ) and the company FMS XXXX Solutions . He proceeded to inform me that I owe XXXX $ for XXXX ( my previous apt ) He asked if I was aware of this. I said, no, I 'm suprised you are calling because I was in a dispute of sorts with the office about this several months ago and had heard nothign more from them since XXXX. He proceeded to get very rude with me and said " You signed a LEASE. '' I could not get a word in edgewise and he loudly yelled, " What makes you think you are different from anybody else?!?! '' I said, Sir, I 'm going to speak to someone more appropriate on this matter. '' and I terminated the call.
Product: Credit card or prepaid card

I was defrauded by a moving company. On XX/XX/2021, I opened a dispute with Citibank about a transaction made by the moving company. Citibank didn't give me chance to submit any supporting documents or collect any information from me to hear my side of the story. Instead, on XX/XX/XXXX, they ruled against me. This is not how credit card disputes are supposed to be investigated.
Product: Mortgage

ON XX/XX/XXXX I sent a payment to the company addressed to the CFO with a letter of instruction and a legal notice. They kept the payment, Ignore the letter and legal notice, and refused to provide disclosed accounting information attached to my mortgage. and even though I have filed a claim disputing I owe them because they kept the payment, they are still reporting negatively to the credit reporting agency and proceeding with the foreclosure proceeding during this dispute without recording it as a dispute. This company is working under bad faith and not trying to sort this out and is just hoping I get through out of court on technical error so they don't have to face the wrong they are doing. 
As for now part of my case is for wrong foreclosing proceedings but if they foreclose, I will have to file another case for the wrongful foreclosing because in Georgia only a secured creditor can bring foreclosure proceedings. Guild Mortgage sold my loan and they are only my servicer not the owner of my mortgage even though this company is aware of its wrongdoing they have learned the system enough to violate consumer rights and get away with it. I will also look into filing an FDCPA claim soon as I am learning more about their deceptive practices, Not sure how my first claim with turn out because I am new to filing but I am learning so I will be prepared better to fight this company in the next caseS until my rights are treated fairly.
Product: Debt collection

Upon applying for a home loan, a credit inquiry was pulled from the credit bureaus. A debt amount of {$390.00} was reported by Enhanced Recovery Company as non-payment on a XXXX phone account. I disputed the debit as not belonging to me. 

I received a letter on XXXX XXXX, 2016 from ERC stating that they were going to have the debt removed from all bureaus. It was then removed from the credit reports on XXXX XXXX, 2016. It appeared to be resolved. 

The loan company then required that we all participate in a call where XXXX, myself, and ERC are all connected and ERC verbally confirms to XXXX that the debt has been resolved. 

On that call, ERC says that the debt is still owed and that they sent no such letter etc. This has caused the loan company to hold off on the loan until there is resolution. 

This is not my debt which ERC has acknowledged in writing. They are falsely trying to collect the {$390.00} knowing and acknowledging in writing that this is not my debt. Essentially, they believe that I am in between a rock and a hard place and can be forced to pay the debt or risk losing the house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple letters to the credit bureaus addressing the billing errors that are appearing on my credit report. Under 15 U.S. Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because these are clearly billing errors. Listed below is the account in question : XXXXXXXX XXXX  XXXX Balance Owed : {$76.00}
Product: Mortgage

My home is in foreclosure and BOA Ban of America is not fairly handling my attempt to short sale. I am filing a property value dispute because the appraisal is inaccurate. I have a buyer who wants to live in the house. However there is alot of work that needs to be done. The buyer is qualified to get a mortgage with funds to repair built in. I have a XXXX sale scheduled for Tuesday XXXX XXXX, 2016 and have asked for the bank to postpone awaiting the results of my value dispute. Bank of America refuses and claims XXXX will not allow them to postpone. I need to be able to short sale in order to avoid foreclosure. I have filed a complaint with XXXX FHA case # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted the original creditor for XXXX credit card and told them how the new company was harassing me and telling me they were coming to my job to arrest me. I submitted the complaint online with XXXX XXXX XXXX and was told by XXXX XXXX : Senior specialist that the account was deleted from all reports and that she sent a request for cease and desist for the collection agency. Im still being harassed by collection agencys and i just want this off all 3 of my credit reports please. I will attach conversation between me and XXXX XXXX on XXXX XXXX XXXX which is XX/XX/XXXX case # XXXX. I sent the letter to all 3 credit bureaus and they just updated /verified and i feel like they arent even doing accurate research
Product: Debt collection

I have been receiving calls from a company called : Certified Mediation who says they are represented by XXXX -- -phone # XXXX. They tried to collect on a supposed bad check with XXXX. They stated I had to pay them via XXXX by the end of the day or I would be charged with XXXX Class XXXX Felonies and arrested the next day by XXXX. They caused me great distress. They made mention of a Pre-Trial Diversion etc. I believe this is a scam and want to report them. Also they went as far as to say they had pictures of me in XXXX. This was an alaborate scheme with multiple so-called departments and people involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was astounded to find out there was a 30 day mark on my credit report recently for this auto loan. My ex husband has this vehicle and the account is paid on time every month. My ex husband traded this vehicle in for another one and this loan was to be paid off in full. He made all the payments on time, I am not sure why this is reporting a 30 day. I am asking to have the 30 days mark removed from my credit report as a courtsey due to you can see my excellent payment history. I am trying to buy a house and when this popped up, it is seriously impacting my credit and the ability to buy a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my consumer report and noticed several fraudulent inquiries on my report that were unauthorized. I sent each credit bureaus dispute letters to resolve this matter. I have not received any response from any of the credit bureaus and the unauthorized inquires are still showing on my report
Product: Debt collection

I DO NOT HAVE KNOWLEDGE OF ACCOUNT THAT WAS OPENED IN MY NAME. ACCOUNT WAS OPENED FRAUDULENTLY WITHOUT MY CONSENT!! I DO NOT OWE THE AMOUNT LISTED XXXX. PLEASE REMOVE FROM REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit bureaus are reporting seven credit cards in negative status. The negative status is because of charge off. I made agreements with my credit cards to settle the accounts for a lower price and this agreement was turned into an attack to destroy my credit. The biggest issue : this negative reporting is posted in the year XX/XX/XXXX. This is a LIE!!! I was in the hospital in the year XX/XX/XXXX and lived in a shelter in the year XX/XX/XXXX. I never had any credit cards open during this time. These credit bureaus know that they are attacking people. These credit bureaus know that they are falsifying credit information. These credit bureaus know that LIEING that my credit cards became delinquent in the year XX/XX/XXXX will prevent me from future applications of credit. The credit bureaus reported seven credit cards delinquent in the year XX/XX/XXXX. Why wait so long to report my credit cards. I never had the cards open during this time and all delinquent cards paid in full by XX/XX/XXXX. These bureaus waited until XX/XX/XXXXto report the credit cards. THIS IS EVIDENCE OF AN ATTACK!
Product: Bank account or service

I hold a checking account at XXXX california and have been with them for nearly 6 to 7 yrs. now suddenly they say that i hold keep a minimum balance of $ .XXXX/- all the time in my account. this was not the case when i opened the account. they charged me maintenance charges of $ .XXXX/ which on complaining was reversed. I am a XXXX with no income and my children deposit. money into my account when ever i need. I do not take ssi. hence there can not be any direct deposit. hence i feel that such compulsion of keeping balance mimimumm shoudl not be applied.
Product: Credit card

Recently discovered ( XX/XX/XXXX ) an XXXX of XXXX had been recorded in XX/XX/XXXX relating to a judgment rendered XX/XX/XXXX. 
I was never served nor received any notification in person or by certified mail to appear in XXXX or XXXX. 

The creditor Capital One Credit Cards had finally determined on XX/XX/XXXX that the account and judgment were fraudulent and I was not responsible for the debt in a letter I had received on/about XX/XX/XXXX after several weeks of attempting to obtain evidence. 

Since XX/XX/XXXX, Capital One continually has claimed that a " Vacate of Judgement " had been sent to the court of record, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an order to have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to prepare " Vacate of Judgment '' and have recorded ; then on XXXX XXXX XXXX, Capital One claims the order to vacate the judgment was sent directly to the court via email on XXXX XXXX XXXX 

In multiple requests, Capital One has refused to provide proof of their claims, nor will Capital One provide a copy of the order to vacate the judgment, stating they don't have the authorization to provide the copies and for me to contact the court. 

It is apparent that Capital One is constructively obscuring all requests to maintain an illegally obtained judgment and don't care about the collateral damage they create by their actions. I further fail to believe they actually have sent an order to create the vacate of judgment to any law firm, or filed the document with any court. I'm of the belief due to the constructive lies and misrepresentations they actually have issued a renewal of the judgment to further their blackmail attempts. Additionally, Capital One refuses to provide anything in writing as part of my requests, however, they require of me to send written requests to discuss the situation. 

This company although acting as if it is above the law, isn't and needs to be severely sanctioned, fined or even shut down.
Product: Credit card or prepaid card

I have closed this account since XX/XX/2022. The balance was XXXX XXXX  {$300.00}. I have been paying XXXX XXXX {$45.00} every month, sometimes more and the card never goes down but instead it goes up. They are still charging as if the account is still open. For example my last payment at the end of XXXX was XXXX XXXX dollars and the cards balance was {$300.00} but when I look at the balance now ; is still {$300.00} even after the XXXX XXXX payment and now they are charging me {$94.00} for the end of XXXX and my card is still in the negative numbers. I do not understand why. I had to call every month and even when I paid early they will not apply the payments because I was " too early ''? I really need help with this situation. All I wanted was to keep paying a regular monthly payment until it was paid off but this card is a scam to me. And it is also affecting my XXXX XXXX. This js the only card I have issues with. I paid off XXXX and XXXX with no issues except this Avant LLC card. I am a XXXX XXXX XXXX XXXX woman trying to make things right.
Product: Checking or savings account

On XX/XX/2023 I was reached out by a guy name XXXX about bitcoins. At the time it seemed like he was honest about what he was doing. He informed me that he could make me more money if I sent him money thought XXXX XXXX It seemed 100 percent legit and proceeded. So I sent total of XXXX dollars thought XXXX XXXX XXXX bitcoins. I did not received anything from him and filled a fraud/scam to my bank fifth third. The first time, I did not tell the truth because I was jus dumb founded about what happened. Then the second time, I told them this guy did not deliver as promised. Both claims denied.
Product: Credit card or prepaid card

On XX/XX/2019, I called Bank of America to close my Cash Rewards Visa account. After being put on hold for 25 minutes, I was finally able to talk with someone. 
The representative confirmed that my account has {$0.00} balance and has a cash reward of {$4.00}. 
For the cash reward, I requested a check to be mailed out to me to the address I confirmed in the beginning of the call. 
However, the representative told me that since the amount is less than {$25.00}, they can not do it, regardless of the account being closed, and despite the fact that I earned it.
Product: Vehicle loan or lease

Hi, I believe that Bank XXXX XXXX is unfairly falsely advertising their loan rates to get consumers to apply. Bank of America was unable to explain to me the reason I did not receive the lowest advertised rate. They only gave me general reasons but not the precise reason for my loan. I have included a copy of my complaint to XXXX XXXX. I am seeking an adjustment to my loan rate to the XXXX XXXX advertised rate when I applied. 

Dear XXXX XXXX, XXXX XX/XX/2022, I applied for a XXXX auto loan. Based on the online application the current rate is XXXX XXXX  minus my preferred rewards XXXX tier discount of .5 % for a XXXX XXXX  rate. I received an approval with XXXX XXXX  rate. A XXXX XXXX and the price you pay for credit letter states I have a XXXX score which is higher than 87 % of US. consumers. 

Based on my excellent credit history, never a default or late payment and my long-term relationship with Bank of XXXX XXXX this XXXX XXXX XXXX me. Can you please recheck my application to see if this is the correct rate. If this is the correct rate, then I would suggest a clearer advertising that states that most applications will not be approved for the lowest rate. 

As a Diamond Tier member I would think that I should qualify for your best rate and if not than I really don't think there is much benefit to being a Diamond Tier member. Hopefully we can solve this issue without any further action needed.
Product: Student loan

My overage in payments was not applied to the principal. The company is applying overage in payments to interest.
Product: Credit reporting or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more tan seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate modity accounts tat isnt reporting correcuy. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX;XXXX;XXXX XXXX;XXXX XXXX;XXXX XXXX XXXX;XXXX XXXX;XXXX;XXXX;XXXX XXXX;XXXX XXXX;XXXX;XXXX XXXX XXXX;XXXX;
Product: Vehicle loan or lease

I am applying to refinance my home and have 24 hours to get the required documents to them. ThunderRoad Financial does not send paper statements for offer online statements. I called them to request one and they can't seem to produce one. They keep saying they are requesting it from the accounting department, but nothing has been produced. I am not sure what I am supposed to do to get one. I don't believe they should be able to not supply you with any way to access a statement. No where on their site does it even give you information on how much your balance is on the loan. They only offer a payment portal, absolutely no other information.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 refinanced my mortgage with another bank XXXX/XXXX/2015 and according to the laws I was to receive my escrow balance returned to me no later than 30 days. I have not received it and due to the fact they did not pay my flood insurance on time ( 30 days late ) now my home owners is due along with my taxes and I just want my escrow money so I can pay them. I am tired of fighting with these people to do the right thing and conduct business in an ethical way.
Product: Credit reporting, credit repair services, or other personal consumer reports

On this month, I reach out to Carmax auto Finance about why I am not received any statement in the mail throughout this last past three year. I have been getting my account current due to failure of Carmax working with me to make sure that I can have my account is caught up. They promise me that they wouldn't put any negative remarks on my credit report if I agree to pay them to have my account current. Still until this day my account is showing negative on my credit report and needs to be correct with removing all negative payment history for failure of send me a bill every month and also not helping me making any payment plans to keep my car loan current.