23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I recieved a call from the company XXXX XXXX XXXX advising me my complex I moved out of took a bond claim out in my name and the bond put me in collections. I asked if they sent me a validation letter. Becuase I have never heard of this company before. They told me this company placed me in collections on XX/XX/XXXX and that my letter should be in the mail. I asked when it was sent they couldnt give me an answer. I asked him for debt verification due to me not knowing of this company he claims put me in collections. He said I would get a validation notice and my debt verification in one letter. I got a notice today XXXX that they verified the debt but failed to provide the proof of debt. Nor did I get a validation letter in the mail that would have been sent to me within 5 days of being placed with their collection agency. I have never heard of this company XXXX XXXX. Nor did I ever sign a contract with this company. I request for a full investigation on this.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

After submitting a complaint Amex ( or their computer ) sent what appears to be an automated response to my complaint that did not even address the specific issues I raised.Please review and respond to the following specific issues : Amex solicited me with an offer using their data base. Before activating the card, I asked the agent to confirm the terms and conditions of the offer ; specifically if I was eligible. I was told I was eligible and I have a recording of the call. I fulfilled the terms and conditions yet Amex denied the benefit. Amex has the data base, they knew or should have known that they had no intention of honoring their solicitation. Amex should not have sent the solicitation and their agent should not have told me I was eligible. Therefore, Amex should honor their offer of XXXX points. 
The Amex response reads like a form letter that completely ignores these salient facts. 
Lastly, I formally request Amex provide information regarding initiating arbitration/mediation of this matter as per the cardholder agreement. 
Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT - IT IS A NEW MATTER FOR A DIFFERENT YEAR THAN PREVIOUSLY SUBMITTED. PLEASE READ THE COMPLAINT CAREFULLY. 

I submitted the following complaint " On my XXXX  & XXXX  reports for the Nelnet Direct Subsidized Loan ending in XXXX for orig amt {$8500.00}, 90 day late is being reported for XX/XX/XXXX, but the loan, along with all of my other loans with them, was paid in full through consolidation on XXXX  XXXX, XXXX. Late payment being reported is after date loan was paid in full. Please remove late payment for time period nothing was owed because you were already paid off. '' Nelnet closed out stating they did not have to investigate because it was substantially similar to previous complaints that had already been investigated. 

This complaint is NOT similar to other complaints previously submitted. If you read the complaint, it is referencing a late payment you are reporting in XXXX. The previous complaints are for XXXX and were regarding a different dispute entirely that was in re to a forbearance and whether the backdating of the forbearance should result in the XX/XX/XXXX late payments being removed. This is in re to You were paid off in XXXX and now are reporting a late payment in XXXX. The late payment in XXXX needs to be investigated and removed because it is after the loan was paid in full.
Product: Debt collection

Zion Debt Holdings sent a letter in the mail and nothing in the letter was what was requested. I have spoken to someone on the phone from XXXXion Debt and they assured me that they had the right person and the original contract with a wet signature verifying that this was indeed my debt. The letter that was sent was not what the representative said they would send to prove verification of the debt. This is not my debt, Zion Debt will not be paid by me for this account. At this point they have not done a thorough investigation into this and they are now trying to strong arm and bully money. One my credit report it states this account was opened by me on XX/XX/XXXX, th XXXX, this is incorrect and is not my debt. Zion Debt Holdings must follow the Validation of Debts ( 15 U.S.C. 1692g ) I requested validation for this debt and they did not send what the law requires for verification. The verification for this debt must fit the requirements within the law. There is no social security numbers, birth dates nor wet signatures provided to verify this information. This is not a verified account.
Product: Mortgage

Hello, I hope someone can help me with this problem. I have a mortgage with Ocwen. They took over the loan from GMAC several years ago. I 've lived in my house for 34 years and never had problems. 

XX/XX/XXXX, I was in financial trouble. In XXXX, I made a payment I thought was for XXXX, It turns out it was applied to XXXX, so In XXXX I was actually three months past due ( Including XXXX XXXX ). XX/XX/XXXX, I sent a payment for three months. 

It was rejected after 10 days and sent back. I called Ocwen. They told me about the XXXX payment ( my fault ) and said counting XXXX ( which was now past due ) I owed them {$2200.00} as opposed to the {$1700.00} I had sent. That day I sent them an electronic check from my bank for {$2200.00}. 

After 10 days the check was rejected and returned. I called them, they said I now owe for XXXX ( was not past due ) and it 's {$2900.00}. I sent another check from my bank that day for {$2900.00}. They held the check for 10 days and rejected it for being {$40.00} short. It was now past due and a late fee had been added. 

I sent an e-mail to Ocwen trying to resolve this situation. On XXXX XXXX I received a detailed accounting for what amount they wanted me to pay to reinstate my mortage and avoid default, which included my XXXX payment. The next morning, I sent to them by certified mail the exact amount the requested and a copy of the letter they issued to me. ( {$3300.00} ). 

Today, after 15 more days, that check was returned as insufficient. For three months, I have tried to pay, in good faith, every amount they requested. Their call-center is of no help and I expected this to be resolved when I immediately sent the amount stated in their letter of XXXX XXXX XXXX. 

What do I do? Please help. 

If they move forward with foreclosure, will I get some sort of hearing where I can explain my case to a Judge? 

Thank You, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple attempts to solve this problem, I have decided to file a complaint with CFPB. There is a late payment reporting on the month of XX/XX/2021 for my account. During the time, you guys were notified that I had XXXX XXXX XXXX XXXX XXXX. This was during the huge spike in XXXX in XXXX cases and XXXX XXXX XXXX, as a result my employment was affected which is why the late happened. From what I understand, if I had fallen ill and was unable to pay there is a law that protects this from reporting as a late on my credit report. Please look into this as I have always been a good customer and paid my bills on time. If it would not have been for a situation out of my control, this would have never happened. This is now affecting my whole life as my credit score dropped XXXX points for something I have no control over. Please help me with this issue.
Product: Mortgage

My husband ( XXXX XXXX ) and I purchased our home in XXXX with a first and second mortgage with Ocwen ( now PHH ). We were able to get from under PHH with the first mortgage. However, the second mortgage which was originally {$45000.00} at 12 % in XXXX with a monthly payment of {$480.00} and only {$2.00} or {$3.00} going to the principal. We have made timely payments with no late charges or returned checks. This is XXXX and the current balance to date is {$44000.00}. The monthly payment remain at {$480.00} with only {$22.00} going on the principal. Yes, to date we have payed PHH over {$70000.00}. Yet, they ( PHH ) sends us an end-of-year tax form stating that we have only paid {$3000.00} in interest and we have paid much more. We have call PHH ( Ocwen ) several times in an attempt to get a lower interest rate and/or refinance and have had no success. 14 years later we have only paid {$860.00} on the principal. PHH ( Ocwen ) is literally robbing us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they all say they have missed payments but also have Finance charges connected to them. according to 15 U.S code 1605 ( a ) a finance charge is the sum of all charges so I can't be penalized for something paid in full. Also 15 the U.S code 1681 a ( 2 ) ( A ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also under 15 U.S. Code 1681b ( A ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong credit information on my account that is affecting me closing on a house and mortgage.
Product: Mortgage

In XX/XX/XXXX, I made an Agreement with XXXX Home loan for a {$40000.00} mortgage. Before I could pay the XXXX payment, the loan had been transferred to XXXX. XXXX held the mortgage briefly and then transferred it to XXXX XXXX XXXX, who transferred it to Green Tree Servicing. During the life of the loan, I paid approximately {$55.00}, XXXX toward the {$40000.00} loan, interest of {$15000.00} is not unreasonable. 
Recently, I inquired of Green Tree about the loan and the process. Green Tree responded that I agreed to pay XXXX 8.3750 % on the loan and that the 'Actuarial interest ' is calculated on a thirty day basis, marked as Ex. " A. '' The original note speaks of annual percentage not periodic as was being deducted from the payments. I consider this to be predatory lending and facts not revealed that should have been divulged during the time that the house was being purchased, marked as Ex. " B. '' Under the terms in which Green Tree speaks, at the end of the 30 years, I will have paid {$210000.00}. on a {$40000.00} loan. This is unacceptable. Green Tree advertise a 4 % interest rate, but failed to adjust or modify my rate to reflect today 's trend. 
On XX/XX/XXXX, Green Tree wrote me saying that on XX/XX/XXXX, an online payment of {$2500.00} was deducted from my account and applied toward the mortgage ; however, this was only a partial payment of {$2.00}, XXXX. XXXX XXXX monthly payment less escrow ), which was placed in the unapplied funds account, herein attached and marked Exhibit " C. '' Green Tree 's payment history does not show the XX/XX/XXXX payment, but, it does show that I owe a balance of {$36.00}, XXXX, marked as Ex. " D. '' The XXXX XXXX XXXX Office list the Assessed Value of the home at {$12.00}, XXXX, this would make the house {$27.00}, XXXX underwater. The same office places the Market value at {$35000.00} which is {$4.00}, XXXX under the loan amount, marked as Ex. " E. '' The difference between the Market Value and the Assessed Value is : $ XXXX {$23000.00}.
Product: Debt collection

I have an unverified account from Speedy Cash I had previously disputed this account. I have never done business with Speedy Cash.  Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request Speedy Cash Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Speedy Cash Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

I am reaching out to your agency in regards to the accounts mentioned below. I am requesting that these accounts not only be brought up to date regarding all the information that entails, I would also like to obtain documents or contract agreements from the original creditors and/or signed documents that bear my signature as proof that these accounts are in association with me. As a consumer, I am aware of my rights to question the accounts and have them properly investigated, updated or removed. Your inaccurate and incomplete reports are affecting me in negative ways and are in VIOLATION of the FCRA.

My only complete accurate and full desired reported address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. I do not have any requisite other current addresses and I do not desire any other addresses to be retained or reported, if any delete now or produce proof of your legitimate authoruty to retain much less report without infringing my consumer rights. 

Additionally, I've found some inquiries that I do not authorize and third party-collections.
Product: Credit reporting or other personal consumer reports

Dear XXXX I pulled a copy of my credit report and noticed some inquiries that are fraudulent I have attached a copy of my FTC report and my Drivers license and social security card. Please remove the following inquiries : XXXX  XXXX, XXXX XXXX Sincerely XXXX XXXX
Product: Mortgage

A loan ( line of credit ) was received from Nations Trust Mortgage Company XX/XX/XXXX in the amount of {$73000.00} as a refinance for a home. XX/XX/XXXX, the home was sold and Nations Trust Mortgage Company was paid off. However, we were charged a early termination fee of {$3600.00} that was not in the original agreement. I believe we were charged a fee that we should not have paid.
Product: Checking or savings account

I was denied the ability to open an account due to a derogatory remark on my file in the XXXX XXXX XXXX XXXX 

I called to obtain information regarding my account status to review the alleged charges and was told that the bank had no record of me as a client. However, the bank maintained that I " must owe money '' otherwise there would be no derogatory remark in the XXXX XXXX XXXX
Product: Debt collection

I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve these matter, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting or other personal consumer reports

1 ) XXXXXXXX XXXX {$2000.00} Loan Opened : XX/XX/XXXX ; Term : 36 Months ; Closed : XX/XX/XXXX XXXX ) XXXX {$1900.00} Loan Opened : XXXX XXXX, XXXX ; Term : 36 Months ; Closed : XX/XX/XXXX 3 ) XXXX {$910.00} Loan Opened : XX/XX/XXXX ; Closed : XX/XX/XXXX 4 ) XXXX XXXX {$1300.00} Opened : XXXX XXXX, XXXX ; Closed : XX/XX/XXXX XXXX ) XXXX XXXX {$3400.00} Opened : XX/XX/XXXX ; Closed : XX/XX/XXXX My identity was stolen through the deep/dark web ; my personal emails, my phone number, my private bank information, including passwords and usernames were used for the benefit of the theft individual.
Product: Checking or savings account

The initial problem was on XX/XX/XXXX. I took my cat to the vet because he was really sick. I was very worried and long story short, the vet did all these things to my cat WITHOUT asking for my consent or EXPLAINING any of the cost! They ended up charging my card for {$700.00}! I HAD NO IDEA since they didnt disclose the full amount until the next day when I got the invoice. I did not agree to any extra exams or medication yet thats what they were charging me for. Disgusting that they would take advantage of a scary situation. You bring in your pets to be taken care of NOT be scammed! I made a claim to my bank, Wells Fargo, about this and explained that I did NOT authorize {$700.00} to be charged to my debit card. What I agreed to was {$460.00}, so I wanted to be refunded {$240.00}. 
So, I spoke to the vet on XX/XX/XXXX and the person I spoke with, XXXX, understood my complaint and even admitted the vet should have never done that. However, he said he was unable to refund me only give me a discount for my next visit. BUT IM NEVER TAKING MY PET BACK THERE. 

Anyway, I opened a claim with Wells Fargo and they did credit {$240.00} to my account. However, now, 2 months later they sent me a letter saying I authorized the charged and they would be taking back those {$240.00}. 

Such a terrible experience with both companies!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

While enrolled in college, my daughter took out two private loans from a lender to cover personal living expenses ; I am a co-signer on one of those loans. Following graduation in XX/XX/2018, she began a one year assignment as an XXXX XXXX volunteer. The lender would not grant her a deferment for that service, so her repayments were scheduled to begin in XXXX or XX/XX/2018. In late XXXX, we reached an agreement with the lender to begin automated payments ( including catch-up amounts ) in  XX/XX/2018. As she had not found full-time employment ( and still has not ), I agreed to have payments deducted from my checking account. Payments were timely made in XXXX, XXXX, XXXX and XXXX. However, the lender may have misapplied one of the XXXX payments as I began receiving notices of past due amounts on the loan for which I co-signed. After working through this with a representative from the lender 's call center and providing them with bank documentation, I received a letter stating that the payment was reapplied to the correct account. However, the lender is still claiming the account is past due, even though all payments have been made, and are demanding payment for the alleged past due amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Transunion is only one Bureau who keeps reporting this negative account on my credit history. 
I am a victim of Identity Theft
Product: Debt collection

On XX/XX/19 my mom who is living in my 2nd home and making payments directly to amerihome mortgage company submitted a check to the bank to pay the mortgage was inputed incorrectly by the bank teller. The payment to amerihome then bounced due to insufficient funds due to teller error. Amerihome was contacted numerous times ( over 10 to correct the " NSF fee, Late fee and other fees '' ) they would not. We have contacted the bank in which they wrote a letter describing what had happened and that the fees should not be applied to our account. Now battling with Amerihome they will not help us out whatsoever and in the mean time my credit has bee effected by over 140 points in the negitive. I am very upset over this because I take great pride in having stellar credit. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payments on ACCOUNT/S. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took loan out months ago made installment agreements. 
In last 2 days I have received 5 emails from a supposed attorney threatening and harassing me to pay up. According to her the only way to pay was via a XXXX XXXX card? Can you say red flag!!! When I didnt respond to her threats she got worse by threatening I was going to be arrested for fraud my ssn was going to be held the irs told and my employer.