23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I reached out to this company yesterday and asked them for a validation of this debt and the only thing they told me was that they tried reaching me but cant prove it by law they must or should send me any documentation explaining how I owe this debt
Product: Mortgage

This is my 2nd complaint against American Financial Resources , Inc. within 4 months for the same problem. I received a notice in XXXX stating my escrow account was low and to either pay a full payment of {$750.00} to escrow or it would be added to my payment amount. I paid the full amount before the deadline. I got a new insurance policy at the end of XXXX, same terms with a cheaper premium. Sent in all of the required information within 2 days. Paying the full escrow amount and changing our insurance carrier reduced my overall payment amount. AFR did not make any changes to my account and I was forced to pay what they said so that I would not have any late payments on my credit report or even risk dealing with a foreclosure notice. After everything was finally updated in XXXX, AFR has still neglected to reimburse the overages paid. My last complaint stated to reimburse the overages of {$120.00} and pay directly to principal. I sent an email to customer service on XX/XX/XXXX and there has been no response. Nothing has been done.I am paying AFR more money by paying interest on a mortgage balance that is incorrect. Since it seems impossible for AFR to transfer the extra money to my principal balance, I want the overage sent to me either in a check or direct deposited back into the account in which it came from. If this is not done in a timely manner, I will be forced to hire an attorney and sue for damages. I have experienced nothing but problems since I was approved to buy my house. The application process is a drawn out joke and financing through American Financial Resources , Inc. is just the same. Customer Service Reps do not know what is going on but they will argue with you to the death. I had one lady argue with me to the point that she was actually screaming at me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Ma, I am writing to dispute information on my credit report to be accurate under the FRCA. There are several this on my report is not correct. Starting with XXXX XXXX that account is reporting wrong. The first thing is why were they reporting charge off after my charge off date. This account was charge off in XX/XX/XXXX but they reported every month in XX/XX/XXXX c/o. The other issue is why are they showing a balance when it was charge off. I want this account removed off my credit report under FRCA guidelines. The other account is with XXXX XXXX/XXXX XXXX XXXX. They report my charge off date is XX/XX/XXXX actual my charge off date is XX/XX/XXXX. Why they were reporting every month after that c/o. That does not make sense to report c/o every month after that. They are violating my rights under FRCA guidelines. Please delete this from my credit report. This is another company I am having problems with. I was on a payment plan to get caught up on my loan but they were not to report me being late on my credit report, It was in the year of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please delete this from my credit report due to reporting wrong on my credit report under the FRCA guidelines. XXXX is another one why if this account was charged off in XX/XX/XXXX, why would you report after that date c/o every month after that. I should have one c/o date. Please delete this off my credit report. under the FRCA. It is paid now. The other one is XXXX, I only should have one charge off date not several. Why would you still report c/o after my charge off date? Please delete this from my credit report under FRCA guideline.
Product: Checking or savings account

On XX/XX/2024, I opened a Citi Access Account checking account, which featured a {$300.00} welcome bonus. This promotion was displayed on the homepage of my Citi credit card account profile. I followed the provided instructions and successfully opened the account. Subsequently, I fulfilled the welcome bonus requirements by depositing {$1500.00} or more into the account. However, Citi has not yet credited the welcome bonus.

In the last week of XX/XX/2024, I contacted Citi regarding the missing welcome bonus. I spoke with several representatives and their managers, who informed me that they couldn't find a promo code linked to my account. I told them that I have documentation, including screenshots taken during the account opening process, and requested verification. The response I received stated that they have limited access and would not be able to verify the information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the balance reported on my account # XXXX from XXXX XXXX The reported balance of {$920.00} is incorrect. The correct balance should be {$0.00}. 
Ive attached a payment receipt and payoff confirmation letter, that verify the correct balance. I request that you correct this information and update my account accordingly. 

In addition, under the CARES Act, states lenders can not report late payments to credit reporting agencies, and also are required to report your accounts as current during the COVID-19 pandemic, which didnt end until XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In disdain of my previous request, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see the items I am concerned of : XXXX 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 had a equity line on my home. It matured after 10 years this year and converted into a principle and interest loan. this new payment quadrupled the original payment. This new payment will eventually financially break us and we will be forced to lose our home. Instead of waiting I immediately contact the bank who services the loan and asked what were my options. I provide them with all of the documents in hopes that they would be able to modify the loan which would allow us to continue on paying the mortgage. They came back to us and stated we could not sustain the modification due to the debt to income ratio. I pointed out the obvious that it was because the newly converted P & I payment was the reason why that ratio was now the case. Basically they told me that my options were 1. ) Apply for a refinance which made no sense since if they just denied the modification why would they approve a refinance. 2. ) Short sale my home or 3. ) Sell my home. None of these made sense to me, for one, we have never missed a payment ever. Two we have XXXX young children XXXX of which are XXXX year old XXXX and a XXXX year old XXXX son who has special needs services through the school system in the town in which we live. Which he will lose if we lose this home and have to move. In my opinion, this bank never took into consideration any of the extenuating circumstances of our situation nor did they consider the facts of the matter. They looked at the numbers provided and took nothing else into consideration including the fact that if we were able to refinance or modify this loan to reasonable P & I loan we would be able to easily afford the home the we live in. Instead they would rather watch as it goes into foreclosure. Peoples Bank is very difficult to deal with I have found this out through the years of dealing with them and I would like to find another option to rectify this situation. I am currently researching other options but I was told I should file this complaint anyways so that the incident was at least reported as another predatory lending operation gone awry. Thank you
Product: Credit card or prepaid card

I spoke to chase visa amazon rewards card 4 times on XX/XX/2019 regarding a purchase I authorized and which was being declined. I was assured at least 2 times through 2 different card representatives that my card would approve the purchase and would be monitored to make sure purchase would go through. It did not. Later that date my card was declined while I was dining out. Now, all my automatic payments set up on that card are being declined. I was told that the card would remain active - why was it deactivated without my knowledge.
Product: Debt collection

On XXXX XXXX our mortgage was sold to XXXX XXXX XXXX. We made payments to XXXX. In XX/XX/XXXX we were contacted by SN Servicing stating that we owed {$140000.00}. XXXX showed on our XXXX XXXX an outstanding balance of {$61000.00}. SN Servicing told us in the collection letter that we had the right to dispute any portion of this debt within 30 days or they would assume the debt was valid. We sent our dispute along with a Qualified Written Request for more information on XXXX XXXX. 
They received our dispute and the QWR on XX/XX/XXXX. To this date they have not responded with the information we requested. 
Now they have filed foreclosure for the disputed amount that they did not respond to validate their initial claim of {$140000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Covid Pandemic, XX/XX/XXXX, I put my home mortgage account in forbearance. I didn't pay 2 months, XX/XX/XXXX and XX/XX/XXXX but resumed making payments in XX/XX/XXXX. During this time, I was instructed by the company that missed payments would not be reported to the credit bureaus. In XX/XX/XXXX, I get an alert that my mortgage account has been reported 60 days past due to all the credit reporting bureaus, although my XX/XX/XXXX mortgage statement indicated that my account was still in Covid forbearance status. When I called the mortgage company on XX/XX/XXXX that's when I was informed that my forbearance ended XX/XX/XXXX and that I should not have gone by what my actual mortgage statement was reporting, which was that my account was still in forbearance at that time. On XX/XX/XXXX I paid all past due amounts, which was also reported incorrectly on all 3 bureaus, bringing account current. Each bureau is reporting something different, so there are so many inaccuracies throughout the report. I filed disputes with all 3 bureaus and the resolve was the information was verified and reported accurately. I pulled my credit report XX/XX/XXXX, again to see that there is yet still another 60-day reporting for XX/XX/XXXX. I've written " Goodwill Letters '', spoken with several representatives and no one was willing to help me. I informed the company that a 60 day was now showing up for XX/XX/XXXX and was informed that they did not report it that I had to take it up with the reporting bureaus, which I did, and the information came back that my mortgage verified the information as accurate. I've been a customer since XX/XX/XXXX and before the pandemic I've NEVER once been late. I protect my credit like I protect my peace and there's no way I would have allowed a 60 day to hit my report, causing me XXXX points. These inaccuracies across the 3 bureaus have caused me physical, emotional and financial damages
Product: Mortgage

I want XXXX to release the illegitimate lien on my house. 
I want them to return the {$160000.00} I have overpaid for my house for money I already paid to someone else for properties I do not own. I refinanced a loan to PAY off the balance ( as in the LENDER pays it off and applies my principal payments not add more for giving me nothing ). not finish paying for it before another XXXX loan kicks in!!! 
I want SPS to find out EXACTLY which loans were actually PAID and which loan they are trying to illegally collect from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting to the credit bureaus that they have had my mortgage since XX/XX/XXXX and that I was 120 days late on my mortgage in XX/XX/XXXX and prior to XX/XX/XXXX. They have only had my mortgage since XX/XX/XXXX. They bought my mortgage from XXXX XXXX. My mortgage was never late with XXXX XXXX XXXX but in the comments section on the loan it says that I was 120 days late. I have never had a late payment with XXXX XXXX XXXX. I have requested XXXX XXXX XXXX to correct this matter with the credit bureaus. I have also reached out to the credit bureaus to have them correct the information but XXXX XXXX XXXX has been unwilling to correct the matter. I would like for XXXX XXXX XXXX to only report my loan from when they acquired it which was XX/XX/XXXX. XXXX XXXX is reporting my mortgage from XX/XX/XXXX until they sold it in XX/XX/XXXX so there is no need for XXXX XXXX and XXXX XXXX XXXX to report the same data and it is inaccurate for both creditors to report the same data.
Product: Debt collection

While I was attending XXXX University, I failed to drop a course I was taking at the moment. And I dont believe this was the actual balance when I was first contacted. I was under XXXX dollars. And during the time they were asking for the money I didnt have a job during Covid-19 from XXXX through XXXX. So I was unable to afford to pay for the balance. And the Unemployment wasnt going to be enough to provide for me and pay for the debt balance. Now I am currently working and going to school. So I just havent had time to go through my mail and read and contact anyone yet.
Product: Debt collection

On XX/XX/2019, Comenity Bank Representative, XXXX was in violation of the Fair Debt Collection Practices Act Section 805 ( b ) by contacting an unauthorized third party regarding this business matter. According to law, the fine for such negligence is {$1000.00}. For your information, XXXX left the following contact information on a former relative and otherwise unauthorized persons voicemail : XXXX ext. XXXX. 

I sent a letter to Comenity Bank on XX/XX/XXXX regarding their negligence and requesting to resolve this violation and business matter, by paying the fine in the amount of {$1000.00} by applying it to both accounts affiliated with Comenity Bank ( XXXX XXXX  XXXX XXXX and XXXX ). The Recovery Team of Comenity Bank for XXXX sent a response on XX/XX/2019 acknowledging receipt of my letter to cease and desist communication to third parties and offered a settlement for me to pay however this is not what I stated within the letter. Amount owed to XXXX {$760.00}, settlement offered {$380.00}. 

I stated in closing : " You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission, Consumer Financial Protection Bureau and the Indiana Attorney Generals office. Civil and criminal claims will be pursued. ''
Product: Debt collection

I have no idea why they are calling me. I do not owe anyone any past due amount. They call every day ( sometimes multiple times each day. I do not talk to them, but when a human voice answered when I  picked up once, I told them I don't know what they want but I wanted the calls STOPPED and hung up on them. They continued to call.
Product: Debt collection

I am totally and permanently XXXX and have not been able to pay off XXXX XXXX XXXX and XXXX XXXX XXXX credit card. I was XXXX XX/XX/XXXX. I was taking money out of my IRA retirement fund to pay my mortgage and credit cards. I went to credit counseling in XXXX, NC and was given advice about the letter I should write to the debt collectors. In my letter I explained that I was unable to pay because I had become totally & permanently XXXX and on Social Security XXXX. I tried to work with them after being harassed. I was not even given the opportunity to work with them on the balances. 
Next I was subpoenaed to court. They knew I was on XXXX because I also sent my Social Security XXXX Beneficial letter which showed my monthly income. Legal Aide helped with the exemption letters. Of course late fees & interest has almost doubled the balance due. I have to pay the full balance on XXXX XXXX XXXX {$6200.00} ( which is my mortgage co ) and XXXX XXXX XXXX {$4600.00}. 
I have been able to stay in my home through Short Sale and not foreclosure. Now my home has sold through Short Sale and closing was suppose to be XX/XX/XXXX. We couldn't have a closing because both banks put a lien on my home just 2 days earlier. I had to move out of my home before closing. All of my belongings such as furniture, clothes & toiletries are in storage in a different city. I can not get an apartment through HUD or Housing Authority because I have a mortgage still. The buyers were told today where we stand on closing so they've pulled out. I am living out of my car with my dog. I will also be paying more since I have an HOA of {$180.00} and {$90.00} for a storage unit and medical bills and food etc.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there was a late payment. The delinquent payment showing on my report XX/XX/XXXX was the result of my job loss due to XXXX. The CARES Act which was signed into law on XXXX XXXX and ended XXXX XX/XX/XXXX. This act amended the Fair Credit Reporting Act to stop adverse credit reporting during the XXXX crisis under these circumstances. Please update this information to PAID/AGREED for the following time period.
Product: Credit card

I have a Macy 's store card. I used the Macy 's site, well the CitiBank site who provides the card, to pay the full balance on the card. After paying the balance in full, Citi charged an additional fee. That fee rolled over into the next month generating an additional fee for having an unpaid balance. 

Essentially I used Citi 's tools to pay the full balance on the card and I was later charged another fee. I was not told of the fee and that fee rolled into the next month generating another fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to capital one to see if they can update my payment to paid as agreed. I had fraud on my bank account and my payment bounced. I am a XXXX   and did notice until I tried to use my debit card. I have a part-time job and this is my first credit card. I called and asked if they could help as a courtesy. This is the only late payment that I had.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I have open an account with them and they close my account for a reason that I feel was unfair and unjust
Product: Debt collection

I checked my XXXX credit report and i see that the company CREDENCE RESOURCE MANA, is reporting a debt collection for the amount of {$2000.00}, however I dont remember having entered any type of contract with CREDENCE RESOURCE MANA or any agent thereof. With that i am requesting, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you and any and all documentary evidence pursuant to 15 USC 44, that includes all documents, papers, correspondence, books of account, and financial and corporate records. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to cease and desist any and every further action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company via my local venue and you would have to travel and defend yourself. I would be seeking actual damages or minimum {$1000.00} in damages per violation for Defamation, Negligent Enablement of Identity Fraud, each violation of the FDCPA including but not at all limited to section 807-8 and each violation of the FCRA including but not limiting section 623-b, whichever is greater.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

CAPITAL ONE XXXX Date opened : XX/XX/2018 Balance : {$540.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently XXXX from year XXXX XXXX XXXX upon my release i tried filing taxes for stimulus help, however the person who stole all my personal info filed taxes in my name etc He actually confessed he did it. Your not coming home what you care for He owns a Tax Service in XXXX. ( XXXX XXXX XXXX ) He did that XXXX stuff etc. I noticed my information was gone year XXXX upon his release. He has been literally LIVING off my name my identity its not right. So forth IVE DISPUTED THIS FALSE INFORMATION ATLEAST XXXX times with proven Documents. Still nothing happen they just hang up!
Product: Mortgage

Nationstar XXXX  debited from my XXXX  account XXXX on XX/XX/21 to date they have not credited my account, the mortgage company mr cooper doesnt read the entire complaint, another payment was made on the XX/XX/21 of {$11000.00} which was credited but for some reason they never look at the XX/XX/21 payment.. the tracer # from the transfer bank which is also XXXX  is XXXX again dated XX/XX/21
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has placed a false reading in my credit report. Equifax reported that from XX/XX/2020 through XX/XX/2020 I went from a 26 % usage to a 39 % usage on my XXXX  credit card and again that is a false report due to the fact that I have not even used that card in many months. They took my credit score down 11 points. I have not been out of work nor laid off at anytime during this coronavirus Pandemic and  have paid my bills on time or before time and therefore I need this to be investigated. I have proof that I haven't used my XXXX card at all I'm months. I've done so well that the company wants to give me more credit but I have not accepted the offer. Every since I have started looking for a home Equifax have been bothering my credit score in a negative way and I believe that I am being redlined by Equifax.
Product: Debt collection

XX/XX/year> I received a call from XXXX. Few other numbers that have called me are XXXX, XXXX, XXXX. Even after I blocked them they are still calling me. TSI - Transworld Systems Inc is the name of the company when I called some of these numbers.