23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Sir or Madame I would officially like to lodge a complaint with Consumer Financial Protection Bureau against Franklin Credit Management for harassment and excess garnishment of wages from a past predatory concealed balloon mortgage payment. 
On about XXXX, I was coerced into accepting a loan for a condominium ( XXXX L : XXXX XXXX # XXXX XXXX Florida XXXX ). My wife and I knew it would be tough to hold down a home with a 1st and 2nd mortgage totaling {$1900.00} on property with HOA fees of 7XXXX per quarter. ( 100 % financed XXXX We resisted accepting the mortgage thru the seller XXXX XXXX, but like most people the opportunity to own a home is every Americans dream. About the same time the economy was starting to slide and home prices would eventually tank. My wife lost her job at a diabetic supply company, but I was still employed at the county government ( {$1200.00} biweekly ). We carried the mortgage for about 3 years, but eventually fell behind. First to suffer was the HOA fees then eventually the mortgage came crashing in on us. We tried loan mods that were being offered at that time but, the bank on the XXXX on the first loan complied abut eventually we missed another payment so it was cancelled., the second mortgage company Franklin Credit Management ( FCM ) wasnt as forthright with any modifications. 
Facing foreclosure, our next plan was to do execute a short sale. That was arranged and presented to XXXX and FCM. Both balk at he short sale price and he home went o foreclosure. 
Fast forward to XXXX I get served for garnishment of wages for the second mortgage from FCM. {$61000.00}. It took me from that incident back in XXXX to the present to finally get my credit back on track, only to have FCM come after me for that second mortgage loan. When presented with original loan docs during the court remediation. It showed that I signed a balloon payment second mortgage. I swear to XXXX, I would have never signed a balloon payment second mortgage on purpose. I really believe they tricked me. That would be ass-nine!!! I swear to this day there were some hidden objectives then with this2nd mortgage in addition to the coercion that we faced. I think this may have been predatory loan. 
I reached a mediation with via the courts, but they instead got a court ordered garnishment hat is taking more than 25 % of my income on a bi weekly basis How can they go out of business in XXXX filing bankruptcy, then come out of bankruptcy and come after me? For a loan they probably got waved thru bankruptcy. 
Can you CFPB help me with investigating Franklin Credit Management for unfair loan practices that involve coercion, mis-information and mis-leading loan practices? 
I have contacted an attorney to help with wage garnishment. 
Thanks
Product: Payday loan, title loan, or personal loan

I'm currently trying to pay off a loan with Stilt , IncXXXX XXXX # XXXX. I overnighted them a check viaFedex on Tuesday, XX/XX/2022 and they received the check on Wednesday, XXXX XXXX at XXXX. Tracking number XXXX ; proof of delivery attached. It's now XXXX XXXX and the lender is advising that they have not received the check and is refusing to help. XXXX was issued through escrow on a refi that I did, so the check is not drawn on my account. XXXX advised that they did not receive the check I asked if I can wire the money and they said that theydo not accept wire transfers. They only accept debit payments or XXXX, which does not work for thistransaction. I have been calling and following up with them for a week and they are not even looking forthe check. I was told on Friday XX/XX/XXXX and Monday XX/XX/XXXX that they were followingup with the warehouse where they recieve mail on the check. They said they would get back to me butthey never actually do get back to me. I'm getting badgering collection calls because my payment is nowlate. Soon they will report the account late to the credit bureau 's. Interest is also continuing to acrruewhile the payment should have been applied on XX/XX/XXXX. Customer service refuses to allow meto speak with a supervisor or XXXX who may be able to help. They are ignorning my requests forhelp to get the loan paid off. I have only held the loan for 9 months, so they are probably refusing toaccept my payment in order to continue to accrue interest on the loan. I need help getting them to acceptmy payment. 

After I initially filed this complaint, the company found my check and advised that they would backdate the payment and apply it to my loan. However, they did not do that and applied the check 7 days after receiving it, resulting in additional interest of over {$150.00}. They are now refusing to correct the payment date and properly refund me the overpayment amount. The check I provided was {$21000.00}, and the payoff amount due on XXXX was {$21000.00}. I should be receiving a {$430.00} refund, but they are refusing to refund me more than {$250.00}. Included here as an attachment is the email from them advising that they would backdate my check and post it to my account. Stilt provides the payoff amount online, and I watched the payoff amount increase daily between XXXX and XXXX. They applied my payment effective XXXX instead of XXXX in order to improperly charge me additional interest.
Product: Mortgage

In XX/XX/XXXX, I was told I would was investing in my childrens future and would leave them something worth something. I was told that I was buying real estate that was actually a deeded property. Now, I am told that I can give it back or resell it. But when I try to resell it, I am denied the paperwork needed to sell it. When I requested paperwork, they sent me this top page looking like I still owe on the points I can not use. If I give it back Im told I need to continue paying fees until when Im unsure. Im also unsure whether I can trust this information due to the fact that everything else I have been told for the past 11 years have been lies and deceit. Initially, I was able to book. I've owned for about 11 years now, but only stay XXXX times. When I was able to book vacations, I was literally harassed, met with increasingly greater aggressive and hostile tactics in attempt to force me to believe I had to attend owners meetings which took up half a day and feeling horrible when you left bc I couldnt buy more and didnt want to. When I tried to avoid these meetings on vacation, I would have to take the phone off the hook in the room, silence my cell phone, and screen my calls to avoid this harassment. They would still leave voicemessages. Now I am unable to use points membership due to no availability. The available slots are Inconsistent time frames at XXXX or XXXX days available at a time, typically weekday slots. In XXXX, they moved changed my year from odd to even, without my knowledge so my points renewed and expired before I had the opportunity to use them. I discovered this when I went to book. This nightmare is paid off and I am told I can sell it but in addition to it not being worth anything, Im unable to get the necessary documentation in order to sell. Id like justice of a full refund of approx. {$32000.00} and this nightmare to finally end. Member # XXXX
Product: Debt collection

My name is XXXX XXXX, and I am submitting this complaint on my own behalf- there is no third party involved. My SSN ends in XXXX. I am being fraudulently harassed by US Bank, and this has been going on for MONTHS now. US Bank is claiming that I owed an alleged " debt '' that I did not owe ( its a fraudulent account ), so I went ahead and sent them a Cease & Desist letter on XX/XX/2021, with a few other documents supporting my case ( see attached exhibits ). I have the certified mail return receipt proving they received my cease & desist on XX/XX/2021 ( see attachments ). Since that time, I have received dozens of spam calls and voicemails from US Bank in which they're harassing me, trying to get me to pay this fraudulent debt. They are clearly violating my cease and desist order, and violating me in a number of ways under 15 U.S. Code 1692c. Despite the fact that I have written proof that they received my Cease & Desist order, in which I clearly told them to never contact me again, and that I will not be paying this fraudulent debt- they continue to harass me and cause me mental and emotional anguish. I am demanding that US Bank cease all communication with me, stop calling me, stop leaving me voicemails, and never contact me again without my written permission. They have caused me immense mental, spiritual, emotional and physical distress and anguish. If they do not comply with this final warning, I will be filing suit in Federal District court.
Product: Credit card

In XXXX I signed up for a Chase Marriott Rewards card. I ran into financial problems and the account went into charge off status. I ran a credit report in XX/XX/XXXX and found some inaccuracies in the way they were reporting the information to the 3 credit bureaus. I sent them two letters certified asking them to look into the inaccuracies. They include ... reporting different dates of activity post charge off, an inaccurate final balance, marking the account past due and charged off simultaneously. The final straw was they failed to inform the credit bureaus that I was disputing the tradelines and they failed to have the disputes noted on the reports within 30 days per FCRA Sec 623. In fact they have NEVER had the disputes noted. The creditor can be fined {$1000.00} per incident. I will attach copies of my reports and certified letters to this complaint. I called Chase to resolve this by offering to pay the disputed balance but they said I no longer had an obligation to pay since the account was charged off and not in collections. I asked then ... if it is charged off and not in collection how can it be past due? Past due would reflect an open account status. At this point this is my last step before litigation. The incorrect way that the account is being reported is leading to a worse credit score than if it was properly reported. Chase has violated my rights under the FCRA by not reporting the account as disputed with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX/XXXX XXXX XX/XX/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 XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person I am a human being I have rights under 15 USC 1681 Equifax is governed by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX # XXXX XXXX DEPARTMENT OF EDUCATION-account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit and notice an account that was showing up as a charge off. I knew this was inaccurate, so I sent XXXX XXXX a letter to investigate this back in XXXX of 2022. With their investigation they updated the account and removed the balance they were reporting, as well as they sent me a refund check on that loan ( which was the same amount that they showed I owed. ) So obviously it was inaccurate. 

Then I sent a letter in XX/XX/2022 to EQUIFAX to investigate the account because EQUIFAX is still reporting it as a charge-off in the payment status. 
There has been no update, no investigation and this error is harming my ability to finance a home. 

The account was never charged-off. I have included The letter I sent to them, a copy of the check they sent me for the refund, and the copy of letter I sent to Equifax. 

A PROPER INVESTIGATION, NOT JUST VERIFYING THAT THE NAME AND ADDRESS MATCH, THE ACCOUNT IS REPORTING CLOSED, SO DO NOT RESPOND WITH WE VERIFIED THIS ACCOUNT AND THE ACCOUNTS REPORTING CORRECTLY .... BECAUSE IT IS NOT REPORTING CORRECTLY.
Product: Debt collection

On XX/XX/XXXX @ XXXX I received a phone call from a collection agency demanding payment. I kindly requested to cease all phone calls to me regarding the debt. Starting on XX/XX/2019, this company has continued to call me at least twice a day. On XX/XX/2019, they also made a phone call to my desk phone at work. I have requested a cease and desist but they continue to call. I am pretty sure there are laws they are violating
Product: Payday loan, title loan, or personal loan

Applied for installment loan. stated annual income to be {$24000.00} They said I do NOT qualify for a {$2000.00} for that annual income
Product: Credit reporting or other personal consumer reports

I have sent letters to the credit bureau and have not yet got the following files removed from my credit report. The request was sent to Experian, XXXX and XXXX upon my first complaint on this matter.I have sent them countless mail to resolve this matter and they keep sending me a automated message saying that the accounts are valid. I have filed FTC complaints and mailed them to the credit bureaus as well. I have also been keeping up with complaint letters I have been sending them via certified mail. I don't feel they are doing the proper investigations on my accounts and I would like to know what are the steps they are taking to validate the accounts. I want the following fraud items REMOVED from my report : XXXX  XXXX Act # : XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. It's against the law for me to complain about the proper construction of my credit report and said agencies to not fix the resolution in a timely matter. I have been complaining for the last XXXX  months and keeping up with my complaints I will now be filing reports with the attorney general about this matter on all XXXX agencies and expecting monetary relief for my pain and suffering.
Product: Debt collection

Received letter from TRS Recovery Services, XXXX GA on XX/XX/23 stating I owed payment on an item purchased on XX/XX/23 from XXXX. I called XXXX and they verified my account was on good standing. I sent their form back indicating this was not my debt, and asked for the Original Creditor. They sent the second correspondence on XX/XX/23 which identified XXXX as the Original Creditor. I contacted XXXX Customer Service again on XX/XX/23, and they confirmed this is not my order, there is no order with this number or amount, or item on my account. XXXX Customer Service said to ignore this, but I researched and found this is a legitimate Credit Collector. The item on the correspondence was supposedly paid for by E-Check, and I don't know what that is. I have a payment method set up in XXXX, they always email me to confirm my orders and I also get confirmation when an item has been delivered. XXXX confirmed no emails were sent to me on XX/XX/XXXX, which was the date the item was ordered. Another concern I have is that the tracking information did in fact indicate a delivery, and to a friend of mine. How did her name get attached to anything in my account? Also, the first name ( mine ) for billing is not the same as the one I have set up in XXXX ( which was my first red flag ).
Product: Credit reporting or other personal consumer reports

I've informed the credit report companies, XXXX, Equifax, and XXXX, that these aren't accurate, and I've produced the XXXX XXXX XXXX, showing all the negative items on my reports are to be by law removed, and id be filing charges if they weren't. They've failed to do that. I've said the same things to the creditors, as they're supposed to stop reporting them as accurate, because they're no longer accurate, and no longer any account at all. They're gone. Only thing supposed to be showing on my credit report is the XXXX XXXX XXXX and any new things I've done since that time. They've decided not to do as instructed. Neither the credit bureaus, nor the creditor 's either. One creditor is still sending me things, and isn't supposed to be reaching out to me at all. Which is XXXX XXXX XXXX XXXX.
Product: Credit card

I received a credit card named All-Access with a real credit card number and my name on it from Netspendallaccess. This was not requested by me. It seems like some scammer sold my personal information to a private bank and they issued me a credit card without my knowledge or request.
Product: Debt collection

Atlantic Recovery Solutions has contacted me about having to collect a debt with the amount of {$1100.00} XXXX I think thats how much ) from XXXX. They said that I stopped using the XXXX account since XXXX - XXXX of 2020 and the purchaser never collected the debt. HOWEVER, I never arranged or bought anything on XXXX nor do I know how to do that. I havent accessed my account since I discovered not to long ago that it was an act of FRAUD. Whoever has purchase the funds to the debt has either hacked my account or has been impersonating me into the negotiations of the debt that I am getting ACCUSED FOR. Either or I have never authorized a purchase with any consumers of the XXXX industry. Please contact me furthermore about the standing investigation of this incident.
Product: Money transfer, virtual currency, or money service

Last XX/XX/2018 i transferred money To the XXXX using Xoom money transfer. It cost XXXX $ and and i will recieve XXXX php but they said to submit IDs and bank statement which i did but they still ask me to call them for verification which i also did but no one is answering. Please help me
Product: Credit reporting, credit repair services, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on 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 FIN I XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday, XX/XX/2022 at XXXX a.m. I received an email from " Experian '' with the following email address XXXX. This email states that my credit FICO score had changed, then stating that it increased. I have reported numerous emails to the FTC, as I get frequent responses by Experian ( i.e. several in a month ) without using any of my credit and not sure why they are continuously reporting that my credit is increasing and decreasing. It concerns me that someone has accessed my personal information, although when I check my XXXX credit card and my XXXX banking account that I own, there are no fraudulent charges. I have also looked at my credit report at the beginning of this year and did not see any unknown activity. I currently can not access a free report, but will do so when I can. Is someone able to utilize financial information that belongs to me to create accounts that I would be unaware of? 

This is the last email I received : XXXX, your XXXX Score has been updated XXXX Mail / Spam Experian Alerts XXXX To : XXXX Tue, XXXX XXXX at XXXX AM For your security we XXXX all images and links in this email. If you believe it is safe to use, mark this message as not spam.Show images Why is this message in Spam? 
We believe this message is spam as you marked previous messages from the same sender as spam. If you want to receive future messages from this sender, please mark it as XXXX XXXX '. 
It's not spam Experian Membership ID # XXXX Member Sign In XXXX, please review your alerts FICO Score Great job! Your hard work paid off and your score increased. 
FICO Score Your score rating changed. 
See all alerts XXXX XXXX XXXX XXXX XXXX Why am I receiving this email? 
This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian XXXX XXXX emails in the past, dont worryyou no longer receive newsletters or special offers. 

You can update some alerts and communications preferences any time on your Experian XXXX XXXX profile, but youll continue to receive notifications like this one on the status of your account. 

To ensure that youll stay up to date on account notifications, add XXXX to your address book and avoid marking these messages as spam. 

Privacy Policy View Your Consumer Right to Obtain a Security Freeze 2022 XXXX XXXX XXXX. XXXX is a trademark of XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX an Experian company. All rights reserved. 
po box XXXX XXXX, TX, XXXX, XXXX
Product: Prepaid card

I purchased a {$500.00} prepaid XXXX gift card. I used that gift card to pay part of the cost of XXXX computers from XXXX. I subsequently returned the computers to XXXX as it I was able to find some better computers at a good price from another merchant. When XXXX processed the refund for my computer, they applied the entire refund to the {$500.00} gift card, which was {$980.00}. Upon doing that, the gift card company blocked the card so that I can not access the money. I immediately contacted them and was told to send in a receipt from staples showing that I had returned the computer and they would unblock the card in XXXX to XXXX business days. I immediately sent the receipt to the gift card company. This was on XX/XX/XXXX. The gift card is still blocked as of today ; XX/XX/XXXX. I have repeatedly called the gift card company and they now refuse to give me a time frame for when or if they are going to unblock my card. I feel it is not acceptable for this company to withhold {$980.00} of my money from me for such a long time for no apparent reason. Furthermore, I told them I wanted to send a letter of dispute to their company so that I could later file for arbitration, as per their terms, they have 30 days to respond to a dispute. They told me I am not allowed to send in a dispute since my card issue has not been resolved. By that logic, they could keep my money locked away for 20 years! Please help me hold this company accountable for their actions and give me my hard earned money back! I need that money to pay bills for my family. This company also told me they would not be paying me any interest for the money they are with holding from me against my will. 

The Gift card number is : XXXX I have attached a copy of the return receipt from XXXX. You can see where the refund was processed back to this card.