23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received a letter from XXXX XXXX that a payment was due and if not paid by XX/XX/XXXX the account of {$110.00} would be sent to a collection agency. 

On XX/XX/XXXX I mailed a check for {$110.00} to the creditor. 

On XX/XX/XXXX the check was cashed by the creditor. ( per my bank account ) On XX/XX/XXXX I received a letter from a collection agency stating I owed a debt of {$110.00}. 


They are trying to collect a debt that is not owed and has been paid for 24 days.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I scheduled an ACH payment of {$700.00} to be applied to my Cashnet USA line of credit account on XX/XX/XXXX. On XX/XX/XXXX I received an email from the creditor stating the payment had been posted. On XX/XX/XXXX I noticed the prior period 's statement was incorrect and the oustanding balance posted on the company 's website was incorrect. Once I became aware of the discrepancy I contacted the customer support line. On XX/XX/XXXX I spoke with a representative who ensured me a supervisor would contact me with 48 hours to discuss the matter. After ending the call on XX/XX/XXXX my online account showed the {$700.00} payment had been unapplied on the XX/XX/XXXX with a reference of " cancelled " then reapplied on XX/XX/XXXX in an attempt to erroneously earn more interest on the account. After not receiving correspondence in the designated time I contacted the customer support line and requested to speak with a manager XX/XX/XXXX. I mentioned the issue of the discrepancy on the statement, the false cancelled transaction on the online account and requested an amortization schedule to review. The manager offered to " waive '' {$55.00} on the account and denied the request for a schedule history to review for my records.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practice are unfair and request an investigation into my account transactions.
Product: Mortgage

We shopped long and hard for the perfect lender. The lender, Quicken Loans, said our " profile '' was very competitive and we were in great shape. Then they rejected quite suddenly before sending our " competitive profile '' to underwriting. The reason they gave was " Collateral : Does not meet seasoning requirements ''. Does n't collateral refer to the house? They never even sent out an appraiser, and if they had, they would have seen that the house appraised for thousands more than the asking price. We have excellent credit, even after every XXXX, XXXX and XXXX lender has hard-pulled out credit records as of this morning we are at XXXX for me and XXXX for XXXX. Further, after rejecting us and while I was scrambling to find another lender Quicken Loans told my realtor that our loan had been declined after all this time since we received our letter of approval. I believe it was completely out of line for Quicken to inform anyone of our loan being declined. We are a XXXX couple and sensitive to the possibility that we might have been singled out as being unworthy of credit due to our XXXX rather than our proven track record of spending within our means. Meanwhile, Quicken Loans suddenly decided that the debts of our non-profit corporation are suddenly our personal debts. Our non-profit has fully appropriate small business debt and some vendor credit which it pays timely. The non-profit it its own entity having its own tax ID number, own bank account and books that are strictly and carefully separate from ours and it files its own taxes. If the debts of the corporation are suddenly our debts then what about the income of the non-profit, is that suddenly ours as well? If not, then why are the debts of the non-profit our debts? Why did Quicken Loans repeatedly tell us not to speak to other lenders because they would take care of us and then they dumped us at the door to the underwriting team 's office? Why did n't the underwriting team have a chance to review our documents? Can you tell we are frustrated? Here we are in a contract on an affordable home and suddenly we have no mortgage with no plausible explanation of why we were rejected.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$23000.00}.
Product: Debt collection

Account info Account name CREDENCE RESOURCE MANAGE Also known as CREDENCE RESOURCE MANA Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$1.00}, XXXX past due as of XX/XX/year>. 
Status updated XX/XX/year> Balance {$1200.00} Balance updated XX/XX/year> Recent payment - Monthly payment - Original balance {$1200.00} Highest balance - Terms 1 Months On record until XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

XX/XX/2022 : I received a call from XXXX XXXX at Amerisave who asked me if I was looking to refinance my home. I advised him that I was and he proceeded to converse with me about what the estimate might be. At that time I was in a hurry to get to a work meeting call and he quickly rushed me through the process of receiving my official loan estimate for review. It didn't occur to me as I didn't read through the entire language of the terms, but I had to pay XXXX dollars to start the process of receiving an estimate. Once I saw the estimate, I believe at that point I was interested. However, by the next day I decided it wasn't a great deal and began the process of canceling my application and since I hadn't e-signed the loan docs or the page that expressed that I the application fee is non-refundable then I figured I would be returned that application fee. It was at the point of carefully reviewing the application that I noticed the fee was non-refundable and I decided not to sign. 
I wanted to get an official estimate and lock rate to know what my options are. Every other company I dealt with was able to give me that without a fee accept Amerisave. 

XX/XX/XXXX : Sent email to XXXX to cancel my application XX/XX/XXXX : Followed up with another cancel email as I had not heard back XX/XX/XXXX : Followed up on my cancellation emails to see if my application was canceled and money refunded XX/XX/XXXX : Received email from XXXX informing me that the cancellation was processed but without a refund. 

XX/XX/XXXX : Sent email to XXXX letting him know that I would still like the refund and that I will need to proceed with complaints if not refunded. 

XX/XX/XXXX : He again sent an email letting me know that I agreed to the application fee and there will be no refund. 

XX/XX/XXXX @ XXXX mst : Called customer support was told management would call back XX/XX/XXXX @ XXXX mst : XXXX calls , says Im not able to get my refund. Asks why im calling customer service. 

XX/XX/XXXX @ XXXX : I called customer service. explained above and she said she'd get back to me after computer reboots. 

I have not received that call back
Product: Credit card or prepaid card

I received a {$500.00} Vanilla Visa gift card from my employer for doing good work. I have tried to use this card in a regular store ( XXXX, XXXX XXXX ). The card gets declined. I look up the card online and it says that my card is on hold and I need to call to get it off the hold. I have called three time over the past year and the wait has always been over 30 mins to talk to anyone. And when I finally talk to someone they say that I am need the receipt of buying the card to be able to help. How can I have the receipt when this card was a gift? The point of this is to make me give up and have them keep the money. It bad business practices and it needs to stop.
Product: Mortgage

had family issues and attempted to get payment plan with mortgage servicer and nothing has been provided
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX : XX/XX/year> I am writing to dispute inaccurate information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). I request that you investigate and correct the following : 1. Inaccurate Address : Please remove the following incorrect address from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This public record appears on my credit report but is inaccurate and unverifiable. Additionally, its inclusion on my credit report is a violation of the FCRA unless you can definitively prove its accuracy, including how it is directly connected to me. Please conduct a thorough investigation to verify the validity of this record. 
If you are unable to fully verify this record with original documentation directly from XXXX XXXX XXXX, I demand that it be removed from my credit report immediately, as mandated under the FCRA. 
XXXX. XXXX XXXX XXXX XXXX Account ( # XXXX ) : The collection account identified above is inaccurate and unverifiable. Its inclusion on my credit report violates the FCRA. Please investigate this account and remove it immediately if it can not be fully verified. 

These inaccuracies are negatively impacting my ability to obtain credit. As you are aware, the FCRA requires that all information on my credit report must be accurate, complete, and verifiable. If any of the above accounts or records can not be fully substantiated, they must be removed from my credit file. 

I expect your prompt investigation and the removal of these items. Please send me an updated copy of my credit report once your investigation is complete. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Other financial service

I went into an agreement with Global Client Solutions to settle XXXX outstanding credit card debts however I did not realize that they would be only responsible for passing off the debt to a Law Firm while both companies would be collecting separate fees upfront. I expected to pay a fee for any service but ended up paying {$510.00} for an entire year before my XXXX settlement was reached and at which time I had to come up with {$1100.00} to enter the agreement with the creditor. They take the fees upfront before any settlement is reached which in turn makes a difficult situation even harder. They promised that they would settle the debt for XXXX % or less of the original amount however my XXXX settlement was actually XXXX % of the original amount which by then is equivalent to me paying the full amount only difference being I payed the other XXXX % in fees split between Global Client Services and XXXX XXXX XXXX. They did settle the XXXX of my XXXX cards for XXXX % of the original amount which is the only success story from this experience but they arrange things strategically so that they only do it at the end of month after they take their fees even though I wanted to settle earlier to avoid excessive fees. Its all set in their favor so they get as much fee from the client as possible. I was also charged Pay-By-Phone Fees by their partner company XXXX XXXX XXXX every time they arranged a settlement with the company representing my creditor. I was also charged a one time Non-Refundable Legal Deposit of {$500.00} the very first month.
Product: Debt collection

Can they send me a copy of the certified certificate that they gave me proper notification of this alleged debt?
Product: Debt collection

Receive phone calls daily ( sometimes more than one call per day ). Each time I attempt to speak to someone and I'm only able to leave a voicemail ( despite them calling me??? ) or I am hung up on repeatedly. This call is referring to a debt that was paid in full in XXXX. Contacted original lender to see why debt is continuously sold and they have no record of any outstanding balance. Offered full proof of payment and company will not provide an email to send such receipts and documentation. Collector calls from a different number and area code every time. Voicemails threaten to file legal docs and serve me. Can also provide proof of credit reports that prove no such debt exists. 

Company calls from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX  posted charges after the house was sold and occupied by new owners. We do not owe this debt and have been living out of state for more than 2 years.
Product: Credit card or prepaid card

I was trying to transfer XXXX  American Express membership rewards points to XXXX account on XX/XX/2018 but it wouldn't allow me to complete the transfer, indicating " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. ''
Product: Mortgage

Was approved for a XXXX XXXX second mortgage by XXXX  XXXX XXXX XXXX. Account # XXXX. Case mgmt # XXXX. 

XXXX XXXX XXXX sold servicing to Specialized loan Servicing, account # XXXX. 
XXXX. 

Was to receive incentive for payment for 5years at the end of sixth year. Was not in note, however my first mortgage did not include in note either. Did some research and found that after XX/XX/2012 per HUD, lenders were to notify of incentives separately by mail. Never received a notice. They are also supposed to send notice of incentive payment due 1 month prior to the sixth year anniversary. This did not occur either. 

When loan was transferred, I called Bank XXXX XXXX and the assured me the XXXX qualified for incentive and that new lender would be aware. Called Specialized loan servicing and they concurred. 

My XXXX anniversary date plus one month was this past XXXX, was told perhaps the next month. Called in XXXX as there was no principal incentive applied. Was told there was no information on file for them to do so. They wanted a document to show proof. 
Called XXXX  XXXX XXXX case management department and they had nothing on file except for the note. Their number is listed above. 

Did more research and found that the loan servicing department would handle incentives and reporting. 

Can you please assist me in getting this resolved?
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I applied for loan forgiveness program I havent heard anything back and this loan is still on my credit even though its still in good standing want it removed from my fees
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  I requested copies of my credit history, including dates, original payees, and supporting documents that verify the debt. However, I did not receive any supporting documents. 

Additionally, this account was closed on XX/XX/year> ( Caller ID : XXXX ). During that same call, an unauthorized cease and desist request was placed on my account. There was no disclosure read for the closing of the account or for the unauthorized cease and desist request.

Furthermore, 15 US Code 1666b states : " 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 they send the information in section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. '' XXXX XXXX can not provide proof that a statement was mailed or delivered 21 days before any payment was due. Email correspondences are not verifiable sources of mail delivery.

The inaccurate reporting is in violation of 15 US Code 1681a ( 2 ) ( A ), 15 US Code 6802, and 1016.15a ( 1 ) since there was an unauthorized cease and desist noted on the account at the time of reporting, and 1016.14 ( b ) ( 2 ) ( i ) since the account was closed prior to the payment due date. There was no contract or disclosures to validate the late payment that is now being reported to my credit report. 

Additionally, XXXX XXXXXXXX XXXX  did not disclose in writing, or by phone, that payments on closed accounts will continue to result in reporting to third-party agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$3000.00} on XXXX XXXX XXXX  partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was settled and paid in full on XX/XX/2016. ( Please see the attached letter dated XX/XX/2016 from XXXX XXXX XXXX , XXXX. ) This incorrect reporting of a collection is harming my credit score and these line items need to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Debt collection

There is a new fraudulent collection account or {$150.00} showing on my Transunion credit report. I am a victim of identity theft and I am unsure how these new accounts are showing on my file. The company is XXXX XXXX XXXX. I have never done business with this company before and I have no knowledge of the debt or any account with them. This false information appearing on my credit report all of a sudden is really damaging to me. I know my consumer rights are being violated. Please remove this account asap.
Product: Debt collection

American Credit Acceptance contacted me by both mail and phone stating they bought my alleged car loan from XXXX XXXX XXXX XXXX. I never received anything in writing from that car company alleging they sold this alleged debt and they don't have any affiliates per my consumer credit transaction records. I sent a letter to American Credit Acceptance on XX/XX/XXXX requesting for them to send me proof that they are the holder in due course and until they produce it, cease and desist contacting me. I also advised that them having my non public personal information was aggravated identity theft since they created an account in my name using this information with no permission given by me for them to have it. The letter was sent certified and return receipt shows it was received XX/XX/XXXX. I received a letter back from American Credit Acceptance dated XX/XX/XXXX acknowledging receipt of my dispute and letting me know that i need to show proof of police report and FTC filing due to me alleging they are committing identity theft while asking me for MORE personal information! They did not send proof that they are holder in due course, they're still asking me to pay them money allegedly owed to them and they are violating my cease and desist by still calling me. I have received 7 calls since they received my letter that included a cease and desist request from me on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX,, Equifax Remove and Delete I call and show proof This is a request to remove the following inquiries that were made without my expressed permission. XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries according to the FCRA were not made due to a firm offer of credit, to obtain insurance, employment, or by a court order. Please remove these inquiries that did not have permissible purpose to pull my credit. 

Under the FCRA, the burden of proof lies on XXXX you are the one allowing fraudulent information to report on my credit report. 
I have included my contact information and proof of my identity. 

Thank you for following the ethical standards set by the FCRA and removing these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX
Product: Credit reporting or other personal consumer reports

Their is a hard inquiry reporting on my TransUnion credit report from XXXX XXXX dated XX/XX/year> that I did not authorize I contacted TransUnion and received no help I was told to mail in proof I informed the representative that I had already didnt everything required of me and the incorrect unauthorized unverified hard inquiry is still reporting.
Product: Checking or savings account

On XX/XX/XXXX I filed a fraud claim with Bank of America. I initially contacted them prior to formally filing the claim and was told to contact the consumer directly in order to resolve the issue much faster as the large amount would make it difficult - I followed Bank of Americas guidance and direction, and the Merchant did not resolve my issue and would never provide any information. Bank of America denied my claim due to their belief that given the time frame from the filing that I should have seen the amount gone from my account- which is correct, but they missed the context. The formal filing was only delayed because they told me to contact the merchant first, so yes, I did not have a fraud claim filed already. They denied my claim and after my explanation they re-opened the claim and took my police report. I have been waiting for a temporary credit at least and have not received that. 

They will not issue a credit since the claim was initially denied. Which seems very odd considering it shouldnt have been rejected based off their reason for denial. They wont respond to any inquiries. They police department and merchant said Bank of America has not contacted them. Nothing is being done.