23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I paid off my Milestone credit card in XX/XX/year>. They waited until XX/XX/year> to charge me a monthly fee- which they have never done before and I just realized today that somewhere along the line they signed me up for protection on my account without my approval and have charged me over the months without my knowledge different amounts. 
They never told me about a monthly fee or changes to my account. To my knowledge they have never charged me a monthly fee before. Nor have they told me about signing me up for protection. I want all money that I have paid for protection and or monthly fees back because they have never informed me of these charges and I never approved of these charges.
Product: Debt collection

I have written several times to these credit card companies since XXXX  in that these charges are fraudulent and that I did not authorize while I was not allowed in my home. IE. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. These cards where at a XXXX  balance and numerous times I have written and even call the card company on the disputed charges that are now on my Credit Report. 

Also, I have informed the Credit Bureau of Identity Theft of my information that I have submit to the FTC and the Local Police and now I am receiving threats of inappropriate conduct of collection agencies calling me names and even insulted me by calling me using inappropriate language. The federal Fair Debt Collection Practices Act ( FDCPA ) was enacted to curb these annoying and abusive behaviors, but some debt collectors flout the law. Being threaten that I committed Fraud and that I will be arrested ; this is a violation of this Act. LVNV Funding LLC and XXXX XXXX XXXX are both companies that have called me an threaten me with arrest due to fraud and used inappropriate language towards me. In that they were informed by the Illinois XXXX XXXX that their conduct is a violation of this Act. In that I also filed a complaint against them to the FTC for this action. 
Numerous times, I have file with the Credit Bureau and with XXXX XXXX, that the Veterans Affairs is responsible for this bill and that the VA had paid the company and still being harassed in a Debt that was the Veteran Affairs Responsibility. In accordance with the Act, this is not to be on my credit report and that its still there after 5 years of frighten with this issue.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against [ Sentry Recovery And Collection ] To Whom It May Concern, I am writing to file a formal complaint against [ Sentry Recovery And Collection ] regarding their debt collection practices, which I believe are in clear violation of my rights as a consumer. Despite repeated attempts to address this matter directly with [ Sentry Recovery And Collection ], they have failed to provide the necessary validation information and have proceeded to report the debt to consumer reporting agencies. 
Specifically, [ Sentry Recovery And Collection ] has not complied with the requirements outlined in 12 CFR 1006.34 ( b ) ( 5 ) by failing to provide validation information for the alleged debt. Despite this failure, they have proceeded to place the collection on my consumer report, denying me the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Furthermore, I assert that [ Sentry Recovery And Collection ] has violated my consumer rights by employing false, misleading, and deceptive means in their debt collection efforts. Their actions are in direct contravention of the Fair Debt Collection Practices Act ( FDCPA ) and other relevant regulations governing debt collection practices. 
It is imperative to note that [ Sentry Recovery And Collection ] has no authority to furnish any account to consumer reporting agencies without providing the necessary disclosures as required by law. This blatant disregard for regulatory requirements is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

In light of the aforementioned violations, I am formally disputing all debts claimed by [ Sentry Recovery And Collection ]. Additionally, I am exercising my right to cease and desist all communication from [ Sentry Recovery And Collection ] via email, text messages, and phone calls. I request immediate debt validation and the provision of the purchase agreement between [ Sentry Recovery And Collection ] and the original creditor ( XXXX XXXX ). Moreover, I demand proof of [ Sentry Recovery And Collection ] 's licensing and bonding as a debt collection agency. 
I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to ensure compliance with consumer protection laws. Please do not hesitate to contact me if further information or documentation is required to support this complaint. 
Thank you for your attention to this matter, and I look forward to a prompt resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi I recently reviewed my credit report and these unauthorized inquires were on it and this is affecting my ability my ability to buy an home.These are the ones that follow... 

XXXX XXXX Finance/Personal XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX Bank XX/XX/year> XXXX XXXX XXXX Finance/Personal XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

This is my third endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Mortgage

Our mortgage loan was serviced by Shell Point Mortgage Service, They were collecting money for the mortgage and escrow account to pay for Taxes and Insurance. 
For yearXX/XX/2018, taxes were due to the City and the County. They did not pay the taxes per the escrow agreement on time. 
In XXXX, we received delinquent tax statements from the County and the City.  We contacted Shell Point. They indicated that the taxes are our responsibility and we have to pay it, although they were collecting money for these taxes and our escrow account had more than {$20000.00} to pay for the taxes. 
In XXXX, we paid the taxes with the late fee penalty that resolved the issue with the county and the city. Shell point sent us a letter that they missed the payments due to an error on their behalf and apologized for the error. 
In XX/XX/XXXX the mortgage was sold to XXXX XXXX XXXX XXXX  with the escrow account. XXXX XXXX XXXX reimbursed us back the taxes we paid from our escrow account. As to the paid penalty, XXXX XXXX XXXX indicated that they were NOT handling the account in XX/XX/ and they are not responsible to pay the penalty and we should contact Shell Point. 
We have been sending Shell Point emails and receiving responses apologizing and to contact XXXX XXXX XXXX about the penalty issue ( Although XXXX XXXX XXXX has nothing to do with it because the penalty incurred when Shell Point was servicing the escrow account ). 

We asked them to pay us the penalty that we paid XXXX {$1000.00} XXXX, and till now we only get apologies and to contact XXXX XXXX XXXX XXXX.
Product: Mortgage

Subject : Compliance Complaint Against Movement Mortgage for Delayed VA Loan Assumption I am filing a formal complaint against Movement Mortgage concerning significant delays in processing a VA loan assumption for the buyer of my property. This process began in XX/XX/year>2024, and as of XX/XX/year>2024, it remains unresolved, nearing 90 days in duration. 

According to VA home loan guidelines, a VA loan assumption should be completed within 45 days. Despite this, Movement Mortgage has unnecessarily prolonged the process by repeatedly requesting documents that have already been submitted and verified. The buyer 's income and employment were confirmed approximately 30 days ago, with no significant changes since, yet additional documentation requests continue. 

It is my believe that Movement Mortgage is purposely delaying the closing of this VA loan assumption to frustrate me the veteran to rescind the VA loan assumption offer to the buyer because they are losing out on the current market interest rate. 

This delay is causing undue hardship for me as a veteran, disrupting my financial planning and livelihood and impacting the buyer 's intentions. It appears to violate established VA guidelines and reflects poorly on Movement Mortgage 's commitment to compliance and customer service. 

I kindly request your assistance in investigating this matter to ensure a timely resolution and prevent further inconvenience. Your attention to this issue would be greatly appreciated to uphold the integrity of the VA loan process. 

Thank you for your help.
Product: Credit reporting or other personal consumer reports

XX/XX/year> To : Tx XXXX Of Attorney General, TX Child Support Re : Notice of Dispute ( AND ) Request To Close Case File I have sent certified letters, as well as email XXXX, XXXX and XXXX. 

XXXX XXXX to XXXX XXXX XXXX, XXXX TX XXXX XXXX has failed to respond to any of my phone calls or letters. 
This is not a loan, nor is it a contract, yet this is being reported on my credit reporting agencies of XXXX, XXXX and Experian.
Product: Debt collection

Date : XX/XX/2024 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Validation for Acct # XXXX To Whom It XXXX Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. 

Please provide at least the following information within XXXX  days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? 
XXXX paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 

If your offices fail to respond to this validation request within XXXX  days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 


Sincerely, XXXX XXXX
Product: Consumer Loan

1 ) On XXXX/XXXX/2015 received a letter in the mail that my monthly payment has gone up to {$220.00} form {$210.00} and my payment would be late if not received now by the XXXX instead of the XXXX.No notice as to why. 
2 ) Originally the loan was in my mothers name and mine, the payment was set for auto-pay out of her account.She past away in XXXX 2015. I contacted them and the bank immediately to let them know, and stop the auto pay on my mothers XXXX account. At that time I requested ( since I would be taking over the payments now ) that the payment due date be adjusted to accommodate my banking. They told me that they would have to finish processing my mothers death certificate first and then supervisor could assist me with that. When I called back and I was transferred to a supervisor XXXX he advised that they do not change the due date for any reason. And stated my contract stated that my payment was due on the XXXX of every month and I have a 10 day grace period so if my payment has to be received on or before the XXXX, or it would be considered late. I asked him considering that my mother was the primary on the loan and she pasted away, and was a good customer. If they would consider making an exception & adjust the payment due date. They said no. I also mentioned to them that I would also need a payment booklet, I still have n't received a payment booklet yet, and I always pay on or before the XXXX. I feel like this company is not following fair consumer practices. I feel like they are trying to make it look like I 'm making late payments when they are paid on time. They are not providing me with proper payment information as stated in their contract. To this date I still have n't received a payment booklet from them. It seems like they are trying to make it look like I 'm late on my payments. In order to make it look like they would have the right to repo my car. I do not trust this company. I 've always been a good customer paying on time, and I feel like they are being dishonest & trying to take advantage of me/ ruin my credit.
Product: Mortgage

SN Servicing failed to provide accurate information to me regarding loss mitigation options and foreclosure, as required by 12 CFR 1024.38 ( b ), 12 CFR 1024.39 and 12 CFR 1024.41 ( g ). 

I submitted a loss mitigation package and never received any correspondence to date such as an ( Acknowledgement Letter, Missing Document Letter, Denial Letter or Ineligible Letter ) from SN Servicing as required by 12 CFR 1024.38 ( b ), 12 CFR 1024.39 and 12 CFR 1024.41 ( g ). 

I decided to contact SN Servicing via phone call on XX/XX/XXXX, and their representatives confirmed receipt of receiving my loss mitigation package of financial information. During the phone call the SN servicing representatives stated they never sent me any correspondence pertaining to the status of my submitted loss mitigation package. 

In addition, and according to the attached SN Servicing 's recent monthly mortgage statement my loan as of XX/XX/XXXX, is 3685 days delinquent and the last payment made was during the month and year of XX/XX/XXXX, which confirms that the six-year statute of limitations has expired long ago. 

The New York Department of Financial Services states in debt collection rule 23 NYCRR 1, Section 1.3, SN Servicing is required to inform the borrower that the statute of limitations has expired. 

SN Servicing also has never informed me in any aspect or provided me with a disclosure that the six-year statute of limitations has expired as required by New York Department of Financial Services debt collection rule 23 NYCRR 1 , Section 1.3.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT SHOWS PAST DUE ON MY CREDIT REPORT WHEN IN FACT IT WAS PAID ON TIME.
Product: Student loan

I have 8 direct Federal loans serviced by Mohela. I made a payment on XX/XX/23 before repayments restarted so I could target my highest interest loan. I paid enough so that the interest and principle on that loan would be completely covered by the payment. I specifically requested to Mohela to direct the entire payment to that one loan. 

Initially it appeared that this was done, my principle for that loan dropped down to {$0.00}. However on XX/XX/23, this payment was retroactively changed so that it paid off all the interest for all my outstanding loans before it went to the loan I requested. As a result I now have a large outstanding principle on the loan I directed the payment towards. 

Not only is this sneaky since this was done retroactively ( and I have documented evidence that the listed principle for that loan was {$0.00} earlier this month ) it is a way of trapping people with student loans with their highest interest loans.
Product: Debt collection

LVNV purchased an assumed debt ( {$800.00} ) and attempted to collect it since XXXX, XXXX. I exercise my right to opt out of any contract they or any previous holder of said debt may have had or attempt to have with me per 15 USC 6802. LVNV sent my personal information to XXXX, XXXX and XXXX, without my written, unwritten, verbal or non-verbal consent violating my right to privacy per 5 USC552a The Privacy Act of 1974. It is illegal for them to report my transaction history ( not excluding late payments, fees or otherwise ) per 15 USC1681a and 16 CFR 433.2. When I had disputed their fraudulent attempt at debt collection, they did not comply and recently illegally reported more of my personal information as recent as XXXXXXXX XXXX to credit bureaus without my written, unwritten, verbal or nonverbal consent. Further violating my rights to privacy per 5 USC552a The Privacy Act of 1974. Ultimately XXXX, XXXX, and XXXX are violating 15USC1681 which requires the removal of all items currently in DISPUTE, of which all accounts under LVNV associated with me are currently disputed.

In LVNV 's own privacy policy they state : Consumers have " Right to Opt-Out of the Sale or Sharing of Personal Information '' and yet have not done so.

Last but not least LVNV is falsely representing themselves as the debt collectors when they state on their own privacy policy they are in fact a financial institution that purchases and sells consumer information for profit. This is in violation of USC 1692e..
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 Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXXXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}
Product: Bank account or service

I have a checking account with Bank of America and i realize a fraudulent activities has been going on at the hours i 'm at work which cost me a lot of problem, like missing my Creditcard payment, Auto Insurance payment and my rent. I called the bank and told them all that was going on and the provided me with a temporary credit. Bank promised of carrying out investigations over the transactions, only for them to say my claim is closed and investigation is completed, telling they see i was the XXXX authorizing the transactions.I ask how would i be so stupid to spend my money and still come back to the bank and claim something that i spent.I went in to the bank on XXXX/XXXX/2016. I had a word with the Relationship Manager in the name of XXXX. He put me on the phone with the claims department once again and they said they will reconsider the investigation. Letters from the bank came through the mail with the same line they used " We completed the investigation and we realize the transaction were authorized by you, So therefore, all the credits that was provided will be debited off my account. As at today XXXX/XXXX/2016 at XXXX I checked my account balance via mobile banking and i see a negative balance of ( $ XXXX ) and this is unacceptable. Imagine a bank representative asking me if i want them to prosecute the person using my card ... I replied with a yes and i should n't tell them to do that. I believe they should know better. So please i need my money bank and i need to clear off the negative balance in my account. Help me
Product: Mortgage

I applied for COVID-19 mortage forbearance with SunTrust ( Truist ) and received written approval in XXXX. I received a 3-month extension in writing on XX/XX/XXXX, stating my next payment is due XX/XX/2020 On XX/XX/2020 I receives a letter from SunTrust regarding my delinquent account and offering to explain my foreclosure alternatives. This letter was sent while I am under a written agreement for mortgage forbearance under the CARES Act. 

When I tried to contact SunTrust to discuss this, no emails of phone message I left were returned. 

My complaint is that SunTrust is stating I am delinquent in my loan, and states that " The longer you wait [ to XXXX payments, or contact us ], or the further you fall behind on your payments, the harder it may be to find a solution. ''
Product: Money transfer, virtual currency, or money service

Hi my name is XXXX XXXX, Im XXXX and Im from XXXX XXXX. Im sending this email with hopes of getting some assistance as I feel I have been taken advantage of by PayPal. They are requiring me to pay a fee of {$920.00} which I believe is unfair and unethical. They have also expressed that they will send this to collections which will damage my credit that I have worked hard to build and maintain. 

On XX/XX/2022, a friend of mine was attempting to send me money to purchase something from me and without us agreeing how he would pay me he found my PayPal account and accidentally sent me money via PayPal. When I saw he sent me the money on PayPal I let him know that he used the wrong payment method and we agreed that we would both contact PayPal to reverse the payment and use different means for him to get me the money that dont have such hefty fees. We both made phone calls and I was told by PayPal customer service that it would be handled ( they should have record of this phone call ). They ended up giving my friend a lot of grief and for some reason didnt want to send it back but he let me know he was working on it. XXXX months later he let me know he was able to successfully get his money returned and I didnt think much of it until I got an email from PayPal on the XXXX of XXXX stating that I had been given a fee of {$920.00} and that I needed to pay it asap. I contacted PayPal to find out what the issue was. They told me there is nothing they can do because someone that sent me money made a charge back dispute to get his money back and they are making me pay a fee for that. I was surprised that I could be so heavily punished for other peoples mistakes on their platform and their own customer services lack of effort to fix an issue all because I happen to have an account on their platform ( that I dont even use due to their hefty fees they impose on their users ). 

I never wanted the money sent to my PayPal in the first place, I never accepted it and definitely never even attempted to transfer to my bank account. Me and the other individual made attempts to reverse it through PayPal, their customer support wouldnt cooperate, and I was unaware the other individual was left with the only option to make a charge back against PayPal to get his money back. I am confused how I am being made responsible to pay fees to PayPal because another user accidentally sent me money when PayPal didnt do their part to reverse the payment. 

Please work on my behalf to resolve this matter & remove the fee in order to prevent damage to my credit. Thank you for your time and for your assistance. Let me know what other details you need from me. Respectfully, XXXX XXXX. 

XXXX