23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On today XX/XX/XXXX around XXXX XXXX I was contacted by Amsher a collection agency on behalf of XXXX XXXX XXXX. I was told by their CS Represenative that they were trying to collect a debt for XXXX XXXX XXXX for over {$200.00}. I told her that this was not possible since I had been to the XXXX XXXX XXXX in XXXX and they said nothing about my having a past due amount. I also let them know that I use XXXX XXXX and keep up with my credit and only had one derogatory remark on my credit, and it was not from them. I let her know that I would contact XXXX myself to find out what was going on. When I finally got someone in the billing department on the line she told me that XXXX had been sending out past due notices from XX/XX/XXXX through XX/XX/XXXX. I told her that I have not received any past due notices from them and that anything from XXXX had already been paid through Amsher in XXXX. I asked her what address they had on file for me and she told me that they had my old address that I had not lived at in over a year. I explained to her that even as late as XX/XX/XXXX, that I had to update my information with them since my insurance had changed as well. I also explained that I had been to XXXX a couple of times since my move in XX/XX/XXXX and not once had they said anything to me about an outstanding balance. Now I have a new derogatory on my credit. She said that they had been mailing me notices to my old address and pretty much told me that it was my fault for not changing my address with them. Not only did I change my contact and insurance information with them, but also did an address change with the post office XX/XX/XXXX. I receive all of my other mail from the old address no problem. She could not tell me why I had not been informed when I went to XXXX in person that I had a past due balance. They show that I owe balances from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, at not one of these visits has anyone said anything to me about past due balances. I have the same cell phone number that I have had since XXXX, if Amsher had the phone number to contact me then why hasn't XXXX XXXX XXXX contacted me on the same phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do believe in early   XXXX  , I do n't have the exact dates, but a payment was made in full to  XXXX   XXXX  ( and they will have record of it  )  and 3 days later they returned the payment to the bank. No exclamation was provided to me. In those 3 days, I was under the impression my card was paid and paid some bills {$300.00}  ).  Needless to know now I have more to pay on it. Approximatel y 2  weeks later, another payment was made PAID IN FULL and   XXXX   XXXX   decided to sent that payment back to the bank after 10 days. I contacted them and asked why or how could they could just send a already made payment back not once but twice? They gave me the runaround and I did n't get a single answer. And to top it off, they have put financial and late charges onto a bill I have paid twice.     I feel like I was a victim of identity theft, and someone out there took my funds both times. I have never received any monies back fro both payments either.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting accounts that are a result of identity theft and without written consent from me which would have saved me from experiencing damage done to my household due to the identity theft.
Product: Credit card

THEY SCAMMED ME OUT OF {$900.00} AND REFUSES TO REFUND ME FOR UNAUTHORIZED CHARGES! I DEMAND YALL REFUND ME OR I WILL SUE!
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer on multiple instances I have written several letters to all 3 credit bureaus, exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g I have simply requested original hard copy documentation, fully and totally verifying that all negative items being reported on my report belongs to me, who verified these items? What methods were used in verifying these items? Also where is the physical proof of a contractual obligation with my signature on it? They have failed to provide those documents as well as allowing the negative items to remain on my credit report after several letters damaging my credit worthiness. The items therefore should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). XXXX, Equifax as well as XXXX   are all in violation of the FCRA ...
Product: Mortgage

On XX/XX/XXXX I logged in to Home Point Financial website and made a payment for my XX/XX/XXXX statement. It shows in my bank account the money went out XX/XX/XXXX. Home Point Financial has reported my credit and my husband 's as late. We made the payment before the 30 days, if it went out after that is something between the banks that has nothing to do with us. I sent them an email and they requested evidence which I sent, the lady requested more evidence which I sent and she still says is not sufficient. Today I received an email stating the evidence I submitted is still not sufficient when it clearly shows the money went out XX/XX/XXXX to Home Point Financial. She also stated if we don't submit what she wants by XX/XX/XXXX she will have our complaint closed. This put us on a really big disadvantage as we are staring our holiday season stating this coming Monday XX/XX/XXXX. XXXX of the things they are asking is a bank statement from XX/XX/XXXX which is a month that hasn't end so basically I'm not sure if they know what they are doing. Also not sure if there's some antisemitism involve since her due date is during our holidays, don't want to think she is willingly trying to ruin our season
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau allowed XXXX XXXX XXXX to report delinquent payment activity on an account that had been discharged as a result of my XX/XX/2015 bankruptcy. After filing several disputes and providing proof that XXXX XXXX. reported the information under fraudulent pretense, Experian still refused to update or remove the account.
Product: Money transfer, virtual currency, or money service

XX/XX/21 deposited USPS money order they told me it would be available next business day then later they put 10 day hold on it. This is second time this happened but it happened before with XXXX VA branch this is XXXX VA branch. I cant get in touch with branch and I put in complaint on branch manager through customer service. This is second complaint with OCC about same issue. They keep doing this these branches make there own rules??? This is crazy I need my money when they say Im suppose to get it. No other bank puts a hold on USPS money order for 10 days!!! Im closing my account with this bank as soon as I notify companies that take money out my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed that these companies was reporting a collection debt on my consumer credit report. IRS Canceled Debts, Foreclosures, Repossessions, and Abandonments clearly states cancel debt is gross income. This company is in clear violation of my rights, under the New Rule Regulation F which took effect XX/XX/XXXX. They have violated the FDCPA XXXX and its new rule by parking this alleged debt on my consumer report. I've asked them numerous times to Cease and Desist this reporting of this alleged debt immediately. I never gave them written permission to put anything on my credit profile 15 USC 1681 b2. There offenses amount to AGRAVATED IDENTITY THEFT pursuant to 18 USC 1208 A.

15 USC 1681 section 602 A- states i have a right to privacy 15 USC 1681 b ( 2 ) - Permissible & written Instructions by the consumer ( me ) did not give the any written instructions to report anything t my consumer report 15 USC Section 604 A section 2- also states a consumer reporting agency can not furnish a account without my written instructions All 6 of these companies are in violation of 18 US code 1028 A- Aggravated Identity Theft XXXX. XXXX XXXX XXXX. XXXX XXXX  These two companies are also in violation of my consumer rights 15 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 Soley as to transactions or experiences between the consumer ( me ) and the person ( XXXX XXXX XXXX XXXX XXXX  XXXX making the report. They also reported LATE PAYMENTS on my consumer report which is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) 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.

I Never gave those furnishers written instructions to furnish this on my credit report!

THEY HAVE VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to Experian on XX/XX/XXXX to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have recently checked on my credit report and noticed some inaccurate accounts reporting.
Product: Consumer Loan

Our loan was purchased by Santander Consumer from XXXX and they are saying we opted to skip a whole year worth of payments during the time the loan was with XXXX. We never authorized payments to be skipped and Santander can not provide me with documentation proving we made the authorization. The loan matured in XXXX and continues to accrue late fees and interest. I have making payments but recently lost my job and the remaining balance of {$1500.00} is being deemed due immediately or they will pick up the 2005 XXXX XXXX with no option to work out the remaining {$1500.00} balance. In reality we should have paid the loan in full in XXXX and need proof from Santander that we in fact approved the payments to be skipped.
Product: Debt collection

Affirm Inc is alleging I owe a debt I do not. Affirm uses consumer contracts as notes that are receivables that are traded via the stock market for profits. To allege I owe a debt is violation of securities laws by actively trading but not registering the transaction with the SEC and FINRA to reflect who is the true owner. The interest that the security gains each month belongs to me.
Product: Student loan

I have attempted to repay my student loans in full. 

Besides my regular payments I have attempted to make principle payments allocated to an account to pay off that loan early. 

They have repeated taken that I given them and applied it to another account though in a way I did not instruct in order to keep both accounts open and charge more interest. 

This also discourages people from trying to pay down one part or the higher interest loans early. 

I have spoken with the company but they are unwilling to help resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX XXXX XXXX XXXX several times to resolve this old account. The last time I called them was on XX/XX/XXXX at XXXX am. I was unable to get anyone to help me. The representation that I spoke with was clueless about this account. The representative stated that she would follow up with me but she did not. The account is a time barred account. 

( b ) Legal actions and threats of legal actions prohibited. A debt collector must not bring or threaten to bring a legal action against a consumer to collect a time-barred debt. 

The Debt has been listed on my consumer report since year XXXX and it was charged off in year XXXX. XXXX XXXX XXXX XXXX continues to ignore my attempt to get this this matter resolved. This time barred account is preventing me from acquiring credit, I have had sleepless nights over this old account and it has hindered me and my family from moving forward in our lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

mr cooper look at what you just sent me asto resolution of this matter a statement dated XX/XX/2023 which when i got i paid imediatly i paid more before that in XXXX when i taught it was overdo tazes which you guys put on account but didnt make the amount you guys wanted till i got the bill in XXXX i had no idea what was going on i taught it was taxes and tried to pay mid XXXX which i get no credit for
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report doesn't have the correct name, phone number or address listed.
Product: Payday loan, title loan, or personal loan

I made the payment due, as I have always done but unfortunately it was a few days late. The company took my full payment but I didnt have the late fee. They applied the money towards the late fee first then stated I had not made full payment so it would be reporting negatively to my credit report. Also they stated If I dont pay the {$10.00} plus the {$2.00} convenience fee additionally. 

I feel I paid my full payment and should be applied to my full payment before the late fee and especially before reporting negatively to the credit report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX BALANCED {$0.00}
Product: Mortgage

We've been trying to solve this with Chase since XX/XX/XXXX. We paid off our mortgage with Chase and had an escrow balance of XXXX  as of XX/XX/XXXX, but we did not get it back after closing. Instead, we received a letter stating we had XXXX. The money evaporated. We've requested it via email, online, in writing and the only response we've received is that they are looking into it.
Product: Student loan

I'm currently unemployed and have several student loans outstanding. I applied for an income based student loan plan XX/XX/XXXX. Navient refuses to reduce my student loan appropriately. They have information on my income from both the unemployment office and my latest tax return. I have talked to them on several occasions and sent them the following information based on these conversations : XX/XX/XXXX Original application XX/XX/XXXX Deposits and transactions from XXXX  XXXX XXXX unemployment account XX/XX/XXXX Unemployment insurance payments from the State of Arizona XX/XX/XXXX Unemployment insurance payments from the State of Arizona including deductions for XX/XX/XXXX ( which shows XXXX taxes deducted ) XX/XX/XXXX Letter stating that my income is now XXXX ( My unemployment benefits ran out ) XX/XX/XXXX PEUC Unemployment letter from the State of Arizona and a letter stating that these benefits are taxable. 

However, they say that because the unemployment information does not state if it is taxable or non-taxable they can not put me on this plan. I have told them that the income is taxable but apparently that is not enough for them. When I didn't have income and my benefits ran out, it appears that they conveniently never received this form. 

Honestly, I believe they are scamming millions of people right now. This is there way to keep from putting people on these plans and being able to charge additional interest and late fees. Please help me and find a way to get on this plan and keep this from ever happening again. 

Thanks.
Product: Mortgage

I am very devastated for all the excuses BB & T Mortgage has gave me in order to denied my loan. I have tried to work directly with them but they keep prolonging my loan and making me fall more behind. I been forced to re-apply every time, I am an elderly man and this is causing my health to decrease and I have even start working a second job to proof BB & T Mortgage that my intentions are to keep my house. BB & T Mortgage needs to review my loan under the correct income, I am sure they keep doing this to me because I am an elderly and they think I do not know my right but I do and I am fighting to stay in my house. Therefore I wont stop until I safe my house this is the only thing I have left, and I do not want to end homeless. Please have some compassion and review my loan fairly. I am a VA and have serve my country this injustice needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent TransUnion a letter disputing the validity of the bankruptcies they are reporting on my credit report. I also sent a method of verification letter and a letter from the courthouse stating that they ( the courthouse ) doesn't verify their information with the bureaus. I expected to receive a response within 15 days of receipt of this letter in compliance with the FCRA, but unfortunately that didn't happen and is a violation to my FCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My computers were hacked on XX/XX/XXXX. Everything was jeopardized and caused the problem with my credit. Scores as well as my credit account. My identity was in jeopardy because they hacked into my bank account and at some points my bank balances were inaccurate. When I reported it to the local police department XXXX. XXXX XXXX told me through an email, he was hacked before so what made me different? I responded because I have federal papers on my computers and if they are in the wrong hands, it can be a problem for myself and my family. I was recruited for DEA at one time as an FBI : Special Agent. Although I turned it down it was still on my computer and I completed federal court cases from the XXXX XXXX XXXX to the US Supreme Court. Also, the hackers wanted my homes that were promised to them by my nephew with an illegal Gift Deed. These hackers were known to be in the drug business and their aim was to mess up my finances so they went after my bank account with fraudulent activities taking large sums of money from my bank account. They overtook my computers and my cell phone, landline phone, and computers. They paid individuals to try to take my identity through my Medicare card, dr. appointments, and medication. They threaten individuals who worked for me because they wanted my house at XXXX. XXXX XXXX, XXXX, GA XXXX. They tried to steal my identity by having others pretend they were me and go behind me to change things around mean. They interfered with my US Postal Mail and last but not least when they had a tree from their property to damage my auto. They paid XXXX XXXX XXXX XXXX to total my car because they knew it would be hard for me to find another one on my modest income How the credit scores came involved when I start looking into home equity that I never used and I talked to XXXX about a reverse mortgage ; then, it was obvious my computer had been hacked because XXXX asked if I was in Good Standing on my credit scores. The hackers started having XXXX come up with all types of discrepancies and when I contacted XXXX  XXXX XXXX, I remembered they told me that fraudulent activities were on my bank account since all this started in XXXX of XXXX. So I should have notified them but I received no support from local law enforcement. I had to do it all myself and when I reviewed my credit report, I never informed them I was a victim of Identity Theft because the hackers had all my information. They wanted my home at all cost even to the point they raised my XXXX  mom ( who passed on XX/XX/XXXX ) and they said she gave a Gift Deed of the house to someone in XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I already wasted my time with this company in XX/XX/year> ( see attached ). Today, SoFi offered me a personal loan again, " pre-approved '' up tp {$60000.00}. I applied in XXXX and the loan was rejected by their financing partner. So, although SoFi says I'm pre-approved for a loan, I really am not pre-approved. Isn't this a bait-and-switch? At the very least, it's false advertising and they should stop using that language. They also claimed that checking wouldn't affect my credit score, but I'm not confident about that either.
Product: Mortgage

I started this mortgage loan with Loandepot on my property located on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Loandepot sold/transferred the loan to a new loaner XXXX  XXXX  XXXX XXXX XX/XX/year>. 

My monthly payment go up high very much and I asked why and found out that there is a huge negative balance on my escrow account back in XX/XX/year> ( taxed {$15000.00} ). This is ridiculous as the property has 10 years tax probation according to new construction property tax law in the city of XXXX. Loandepot paid this out and did not respond appropriately. Now I need them to ask the county to paid the extra tax back to me yet they first promised they will raise a query to city of XXXX tax center in 7 days, Now 20 days passed I called to follow up on what is going on. the specialist told me this was not their business. Then it leaves me no choice but reporting LoanDepot on CFPB in hope of they will respond normally.
Product: Checking or savings account

I'll never understand why people in America 's corporate box spend tens of hundreds of thousands and four to eight years in college just to graduate get the highest paying jobs that requires ABSOLUTELY nothing but to lie lie lie every day, bank of America how ever they reached out to you lied, everything everyone I spoke to for two 1/2weeks said,,, We Absolutely CAN not access your account unless your current number is in our system, I'm taking about at least 30 bank of America employees told me that same exact lie, well I knew I would reach a boa employee that has a brain that's separated from liers up top and did his job by using my SSI number to DET INTO My ACCOUNT, can you believe that, now their saying it's still in progress, you know what than say 's to me, a criminal Is a criminal if they went to the most expensive colleges of a XXXX XXXX XXXX XXXX XXXX la
Product: Payday loan, title loan, or personal loan

On XX/XX/18, I filed a complaint with Consumer Finance Protection Bureau ; XXXX ( complaint number ), regarding " Ad Astra Recovery Service '', falsifying information on my credit report that they never " Validated '' as belonging to me. In their response to the Consumer Finance Protection Bureau, on XX/XX/18 ; Ad Astra Recovery Service, stated they requested to the bureaus to delete from my credit report. They  never deleted this account from my XXXX credit report. This continue to be a " Fraudulent '' company. I have attached the XXXX  report showing they are telling XXXX to keep this false information on my credit report illegally, according to the " Fair Debt Collections Practices Act ''. I am requesting to have this information forwarded to " the Attorney General 's Office, and to forward to Federal Trade Commission immediately.