23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have repeatedly told Conns to stop contacting me and they say that the calls will not stop. I am only one payment behind and have told them when and how much I am going to pay. They call me up to 8 times a day. They don't accept XXXX XXXX and want me to change to a different prepaid card or open a bank account and pay by check. Even if I did this, I would still mail in a money order. I am only 1 payment behind and some reps claim I have never made a payment and want me to produce bank statements. i don't have a bank account. I have repeatedly told them this. I am including a screenshot of the last 10 bill pay payments I have made.
Product: Mortgage

Due to COVID-19, I was laid-off from my job on XX/XX/2020. On XX/XX/2020, I called our VA loan servicer, Midland Mortgage, and requested a mortgage deferment under the COVID-19 CARES Act. The representative that I spoke with said I was approved for a mortgage deferment for XXXX, XXXX XXXX, XXXX, XXXX and XX/XX/2020 mortgage payments. The Midland agent explained that our deferred payments would be placed on the back end of our loan. The Midland agent further said that if we chose to catch up the late payments before XX/XX/2020 our account would be back to a zero balance. Because of previous experiences with Midland Mortgage, I asked the representative to repeat what we were being approved of and I recorded it. 

Later, after not receiving the email that I was told I would receive, nor any written confirmation from Midland Mortgage of our deferment, we logged into our Midland Mortgage online account. In the account summary page, it stated that over {$6000.00} would be due on XX/XX/2020. We called Midland Mortgage on XX/XX/2020 ( at XXXX, XXXX, XXXX, XXXX ), XX/XX/2020 at XXXX and XX/XX/2020 at XXXX to request that they send us something in writing stating the facts and agreement I was told on XX/XX/2020. On all three instances, Midland reps stated that Midland does not offer deferments to move those payments to the end of the loan and we would have a lump sum payment due XX/XX/2020. They stated that they would consider extending for another 6 months or other options after XX/XX/2020. All three reps stated that deferment to the end of the loan can not be done at this time. I recorded these conversations with Midland Mortgage as well. 

Also, on XX/XX/2020, I received a letter for their short-term mortgage assistance program that will allow us to delay payments for 6 months. It did not reference the deferment that we requested to place these payments to the end of the loan that was initially approved and verified on XX/XX/2020. Instead the letter stated a lump sum payment of over {$6000.00} would be due at the end of XXXX. 

I have spoken to several representatives of the VA Regional loan center who has verified by phone and in writing that it is our choice to request a lump sum payment or put those payments to the end of the loan right now, not evaluate in 6 months. Please help us with getting the Deferment for our mortgage with our loan servicer, Midland Mortgage as illustrated in the rights of the CARES Act. We have attached several documents to support our complaint. Those previously referenced recordings are available upon request.
Product: Checking or savings account

I opened a new Ally Bank account and deposited a {$15000.00} check from my cousin to fund the account ( The money was meant for home repairs ) Ally promptly locked my account promptly saying there's suspicious activity and they need to do this since it's a new account and the check is large. 

This was on the XXXX and for the last 14 days I have talked to their " Loss Prevention '' department and customer care at least 12 times. Here 's what I was told authoritatively on XXXX : ( After listening to multiple explanations, answers AND having to explain why he's giving me money etc ) The check is of a big amount and in a new bank account. So, we need to wait 10 business days for it to clear and only then the lock will be released and I will have access to funds. 

It was supposed to be done today ( XXXX ) and when I called in the morning they asked me to wait till afternoon. In the afternoon, I hear a new explanation The check still hasn't cleared so you have to wait another 7 business days! 

Which is wrong because the money left his account on the same day! 

I am at my wits ends as I really need the money ASAP. And this has been incredibly stressful as they are constantly changing their stance.
Product: Debt collection

XXXX XXXX  XXXX {$570.00} XXXX XXXX  XXXX {$880.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Mortgage

I sent a complaint on XX/XX/21 the complaint was never reviewed by Wells Fargo so I am sending it again. 
# XXXX
Product: Debt collection

I have been receiving many peculiar phone calls sometimes three a day. Usually when this has happened in the past, a debt collector is involved trying to collect erroneously. Today Alliance One from XXXX XXXX XXXX showed up on my caller ID before a restricted call which was from XXXX with XXXX XXXX XXXX XXXX, voice mail envelope caller ID XXXX. That gives me the impression Alliance One may be involved. 

The Alliance One phone call XXXX XXXX XXXX was marked as Spam Call, but I checked the phone number out and it goes to Alliance One. I missed this call and did not speak to them. I sent Alliance One two cease and desist messages one giving my phone number and one giving my email address form their website, and a message appeared saying they received the messages. I sent them the messages this evening. 

I have no debt at all and my credit report is good to excellent. 

It could be coincidence that XXXX is calling who could be a scam caller, but I don't think the call from Alliance One is. Not unless someone is using Alliance One 's phone number as in spoofing. 

A few years ago this has happened with this same phone number. A bill collector trying to collect on a debt with a phone number given to me from XXXX XXXX free government phone. XXXX XXXX and other names are asked for with this number yet today. I even had the XXXX XXXX Washington state Prosecutors office call from a problem with someone who had this number long before I did. 


Below is Message Sent To FTC, FTC Report Number XXXX I have been receiving many phone calls from people who want to help me with my debt that I do not have. I have no debt at all. Below are the FCC ticket numbers of just 5 of these people contacting me. I think it may be generated from phone number XXXX XXXX XXXX I received this afternoon that goes to Alliance One. Today is the first time I've seen XXXX XXXX XXXX that goes to Alliance One that my phone tagged as a Spam call. I was not around to answer the call. Alliance One has the wrong person. This has happened with my ****** number which is the free low income phone. I had to get CFPB to stop a bill collector once. 
I have sent Alliance One two messages to cease and desist or I will file a law suit against them and all their affiliates for harassment. 
I have been receiving many phone calls about helping with debt relief and paying off bill. This is the first time Alliance One 's phone number appeared in my call record. I deleted it without writing down the time. 

One time years back I received a lot of strange phone calls and it was because of a bill collector trying to collect from someone else who had had this number before me. 



FCC Ticket Numbers : XXXX, XXXX, XXXX, XXXX, XXXX are complaints file for help with credit cards and debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ) has led me to believe I am a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the federal Trade Commission, please review the enclosed copies of the FTC 's Identity Theft Affidavit regarding this incident. In addition, I have attached a PDF doc reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax utilized my report improperly by divulging my confidential information without consent. Equifax confirmed on their website that my information was impacted by their data breach. Meaning : I am now at a significant risk of dealing with accounts being opened fraudulently with my information and also my existing accounts are at risk.
Product: Consumer Loan

Dear XXXX ; On XXXX XXXX XXXX I filed out an application for auto financing with Capitol One via XXXX of their numerous pre-approved offers they have been sending me for the past year after finding a car that I wanted from XXXX in XXXX XXXX. I filled out the application and combined my current income ( half from an employer, and half from workers compensation ( since XXXX XXXX ) and submitted the required proofs of income, included last years tax return summery, to them through XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ). On XXXX XXXX I signed financing papers through the dealership and took the car home. 
A full two weeks later, I get a call from the dealer saying Capitol One was now backing out of financing the vehicle, stating that they would not consider my workers compensation as income unless I had been receiving it for more than two years. The dealer stated that I would have to come in and they would have to " re-write '' the contract. I retained a lawyer after that. 
In the mean time, I searched for alternative financing and found it with XXXX XXXX XXXX who had no issues what-so-ever with my sources of income. However, they were not able to issue a check to the dealer until the lien Capitol One had placed on the car and been removed. It took over a month to get the financing for my car settled and I think both the dealer and capitol one are in the wrong. Capitol One swore MULTIPLE times to me, my Attorney and to the dealer, that they did not have a lien placed on the vehicle since they had not approved the financing ... .two weeks after I signed the papers. In the end they said it " fell through the cracks '' which I find preposterous. 
XXXX financing manger basically told my Attorney " drop off a check and we 'll release the lien '' ( copies available if needed ) in so many words. That then implied that THEY had the lien so the Attorney then focused on them. Then XXXX parties attempted to turn around and blame this whole debacle on me, the customer, ranging from I falsified my income to the undisclosed " we do n't take XXXX payments ''. This is my first car purchase and it has been a complete nightmare and still weighs on me. Something is not right here, and I intent to follow through to the full extent of the law. Neither party has apologized or even attempted to compensate for the absolute HASSLE this has been. I have yet, as of XXXX XXXX XXXX, to receive a denial of credit from Capitol One. Both Capitol One and XXXX have lost a costumer and gained a mighty negative story that I will tell to everyone I know, including the local news medias.
Product: Credit reporting

They are requesting information from me instead of following the proper Fair credit Reporting guidelines. It has been over a year and they want a bunch of documentation and will not send valid information to verify the account owner.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which are being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Ive made monthly payments on my card until the balance was paid. They then sent another invoice claiming a $ XXXX {$4.00} balance then applied a late fee due to their website being inaccurate on the final amount due for pay off. 

I called and spoke to them regarding the error and was told they could not remove the late fee because the account was closed. I then paid again the pay off amount. 

I get another bill in the mail for {$2.00}. I go online yesterday to pay it. There is a notice online that they are experiencing problems with their system. ( No doubt! ) I manage to get in my account and try to pay the {$2.00}. It requires me to add my bank account, I try adding my bank however the system says that my bank account is already listed. It is not! And I was not able to select any previous banking information to make a payment. System error again! 

I notice while I was trying to make my payment that my account indicated I had {$900.00} ( something credit ) which I thought was strange for a closed account. 

I try again today to log in to pay {$2.00}, and my account says closed cant make a payment please call customer service! 

I have had quite enough with this company! I want the {$2.00} fee removed and my account back open! I dont plan on spending, but I want my line of credit back and I want them to stop hounding me about {$2.00}!
Product: Credit reporting or other personal consumer reports

I was a member of the Lexington Law Credit Services. Im covered under the current class action lawsuit and seeking reimbursement. My address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX/XXXX/16, a sales rep from American Express came into my store and presented me with an offer of a credit card. Since my business very much depends on the XXXX season, I told him that the only card that would work for me would be one I could pay out monthly. He assured me that the card I would get would be what I needed. I got the card and proceeded to spend {$10000.00} on merchandise for my store. When the bill came, I noticed that the total amount was due, with no option for a minimum payment. I called the rep and he said, " Just call them and they will fix it, they do it all the time ''. So I did. Unfortunately, they did not fix it and told me they could not fix it or transfer my balance to a card that would be better suited for my business ; that a monthly payment was not an option for the card I had and too bad for me. Amex would not let me make payments online or with a check ; they insisted I give them my checking account number so they could take the money directly out of my account. I was uncomfortable with this, but felt I had no option if I did n't want to be reported to the credit bureaus. I called 3 or 4 times, but not until I mentioned your agency would they consider not taking {$2500.00} every Friday from my account ( which I did not have ). At that point, I spoke with a supervisor and she put my account on hold until XXXX, at which time I will have to pay close to {$5000.00} more ( I have already paid {$6000.00} ). I was lied to by the sales rep, even though he knew I would not be able to pay the bill until XXXX. I have not been able to pay my XXXX rent because of this deception and my landlord wants his money, too. I am afraid that if my XXXX sales are not what I expect, I will be evicted from the XXXX. I would never have gotten the Amex card had I known the stress it would cause.
Product: Student loan

Credit score took a hit today claiming multiple late payments from ESCI for my student loan payment. 
I check my credit regularly and pay all bills on time. All of the sudden XXXX late payments are posted this week. I have autopay on for minimum due and the money was taken from my bank account and each month in question. The months in question are XXXX through XX/XX/year>. I did not receive an email or anything saying my payment is late and I have emails stating the autopay was sent to ESCI. It is not fair that these late payments get posted 7 months later and my credit takes a big hit. If their was more due than what the minimum due, I did not get an email stating that. Their claim was an overdue amount I was not notified of through email as I have paperless with them. I paid the overdue but the XXXX late payments is not okay as money was still taken out of my account to pay the minimum.
Product: Credit card or prepaid card

We received an e-mail on XX/XX/XXXX from XXXX Credit Card servicing XXXX indicating that we had a payment due on XX/XX/XXXX. We check our bank account every day and no E-Bill from Comenity Bank was indicated. 

On XX/XX/XXXX, we received an email from Comenity indicating that our payment was past due. Shocked we checked the XXXX credit card and found we missed a payment. But we thought the payment was due on XXXX. We immediately made a payment on the first available date, XXXX XXXX through our bank account. 

We complained about the bank 's error and received a late free credit of {$29.00} on XX/XX/XXXX. On XX/XX/XXXX we asked Comenity customer service to credit our account for {$4.00} in interest charges. We were denied. We do not believe this is acceptable as this was a Comenity error to begin with was shown on the attached email.
Product: Mortgage

I am writing regarding an ongoing issue with my loan account ( XXXX XXXX : XXXX ). Despite my consistent and timely payments over the past months, I have noticed that my credit report inaccurately reflects a late payment. Additionally, I have been charged late fees that are incorrect and should not have been applied. 

Approximately four months ago, due to an internal error, my payments were mistakenly applied to the principal only, and as a result, the payment was not properly recorded. Upon discovering this error, I immediately contacted your customer service team. They reversed the error and reassured me that the issue would be corrected. However, my credit report still reflects a late payment, and I continue to be charged late fees, despite never having missed a payment. 

I have made numerous attempts to have this issue resolved through customer service, but I have not seen any corrective action taken. Given that the delay was a result of an internal error on your part and that I have always paid on time, I respectfully request the following : Immediate removal of any incorrect late payment reports from my credit file related to this issue. 
Refund of any late fees charged due to this error. 
Confirmation that my account is up to date and reflects my timely payments. 
I trust that this matter can be resolved promptly. Please confirm receipt of this letter and provide me with a timeline for resolution. Should you need any additional documentation from my side, I am happy to provide it. 

Thank you for your immediate attention to this matter. I look forward to a timely resolution.
Product: Student loan

I applied for the SAVE plan on XX/XX/2023. I have still not been transferred to this plan, and it's XX/XX/2023. I called Telnet repeatedly and could not get ahold of anyone despite waiting over two hours. I finally got someone who told me that it would only take 30 days, and that the interest would not accumulate after the date I applied. However, my interest has continued to accrue and I am still not on the SAVE plan. I can't make payments on my loans until this is fixed.
Product: Student loan

Navient took over multiple student loan accounts of mine. My student loan accounts have changed companies so many times that I can barely keep up with what loan is where. 

I initially spoke with an agent to figure out what I owed on a monthly basis and to set up automatic payments. I spoke with an agent who set up the payments for me. I went above and beyond asking questions and I specifically said- " will this take care of all of my loans with Navient so I do n't have to set these payments up again '' She confirmed. 

As a consumer, I do not know how Navient runs its business. Nor is it my responsibility to do so. The burden of responsibility should lay with the company. Being up front and transparent with customers on how the company operates. Without my knowledge, my Federal loans ( which apparently are a completely separate department that the previous agent can not access ) went past due. Navient had on file, the wrong phone number, address and email for the Federal student loans- though I updated this information with the previous agent. I had no idea that my loans went past due since there was no communication to that affect. The only way I found out my loans were past due was by logging in to Navient ( which I rarely do since I have everything on auto-payment ). I logged on to print off balances on my student loans and realized I was past due several months. I immediately made the payment and set up recurring payments. 

The damage to my credit had already been done. I was reported as over 90 days past due on an account I had believed was in good standing. I called Navient to ask them to remove the past due and to address the issues with their faulty communication practices. They told me that I needed to submit a handwritten note and that their legal department would then " investigate '' to see if Navient did anything wrong. 

The thing is, the student loan process is already practically criminal with compound interest making it impossible for people to get out of debt. I am willing and able to make payments. I trusted what the agent told me when I first spoke with her. I trusted that when I asked if this took care of " all my student loans with Navient '' that she knew what she was talking about. How is it my responsibility to understand the inner workings of a clearly purposefully confusing process? 

I would like this information removed from my credit report immediately. I have every intention of paying my loans. The only reason these loans went past due was because I did not know they were due. If Navient had the correct information on file or if the agent I originally spoke with knew what she was talking about- this would not be on my credit report. I