23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I only have Social Security Benefits and in XX/XX/XXXX I applied for a Loan Modification on my home, because I had to resign from my job due to health reasons, caused by stress with my employer ( XX/XX/XXXX ). I have been looking for work everyday. Only make enough doing XXXX XXXX, so I can survive. I received a letter dated a letter dated XX/XX/XXXX offering me a Trial Payment Plan, commencing from XX/XX/XXXX thru XX/XX/XXXX. 
I accepted their offer and signed the Letter-Trial Payment Plan Offer and mailed to them on XX/XX/XXXX. My first payment for XX/XX/XXXX was made within the terms, by XX/XX/XXXX. The XX/XX/XXXX was also made by XX/XX/XXXX. 
I received a letter from Caliber Home Loans asking me to sign a Title Subordination Form and mail or EMAIL to them with 30 days. I in fact emailed the signed form on XXXX, to the email address provided in my letter. I received no other correspondence, stating they did receive the Signed Title Subordination Form. On XX/XX/XXXX I called to make my last Trial Payment and was told that my LOAN MODIFICATION was closed. I asked the SPOC employee why the Loan Modification was closed and when was that decision made. He told me that it was closed on XX/XX/XXXX, because they did not receive the signed Title Subordination FORM in time. 
I called their office again the next Monday, XX/XX/XXXX and was told that they did not receive the FORM until XX/XX/XXXX I asked where was my signed form from XX/XX/XXXX until XX/XX/XXXX. She could not tell me. XX/XX/XXXX happened to be 31 days after my letter dated XX/XX/XXXX, stated that they have to receive the signed Title Subordination FORM within THIRTY DAYS ( 30 days )??? All I was told was that my Trial Period was over and I would to reapply again for another Loan Modification, which I did on XX/XX/XXXX. Received all of my paperwork and TODAY-XX/XX/XXXX received a Letter dated XX/XX/XXXX from  Caliber Home Loans, they denied my Loan Modification. They will start Foreclosure process if I do not bring my Mortgage Loan Current or I CAN APPEAL their decision, which I intend to do immediately. I am also contacting a HUD Approved Counseling Service on Monday XX/XX/XXXX to get some help, I PRAY to stop any Foreclosure procedures. I have only been able to work doing food delivery at almost XXXX years old and struggling to HOLD to my HOUSE. I got behind in XX/XX/XXXX. I did receive a loan modification in XX/XX/XXXX after my son passed away on XX/XX/XXXX and I was his only caregiver and he had not income and was waiting on SS   XXXX.
Product: Vehicle loan or lease

To Whom It May Concern : I feel that Ally Auto Finanical Bank is weaponizing the late fees and brutally attack my credit report, with no form of ethical stance about the current COVID-19 pandemic. I was charged a late fee of {$65.00}, I called and emailed them on multiple occasions to have them remove the fees, they said no. I also called to have them reduced their APR of 17.59 %, with Finance Charges YTD of {$860.00}, by asking them for a refinance, they said no as well. Now, correct me if I am wrong, I think this pattern of behavior is unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been stating thaXXXX XXXX XXXX has been reporting the same account under two different account numbers. I only had one account. According to XXXX ' XX/XX/2023 reply my account had reached the statute of limitations for reporting and they no longer were reporting XXXX account. The account that is now being reported is not my account. I have raised this issue several times to no avail.
Product: Credit card

Misrepresented time to repay the loan and when interest would start. Took advantage of an elderly person with poor eye sight and poor hearing. Charged 26.9 % interest.
Product: Debt collection

Background : After several violations of the law employed by XXXX XXXX XXXX   contracted for hire by XXXX XXXX XXXX University, XXXX continues to work around fair collection violations laws by jumping from agency to agency to keep the infliction of purposeful pain going with no desire to resolve my case. XXXX now swithced to Reliant Capital Solutions from Ohio with no intent to validate debt or settle my case.

I have a document showing XXXX refused to discuss and settle and very unreasonable and not working in good faith. Reliant must not allow XXXX to use them to entertain their goal of inflicting pain with no intent to resolve my case.

Highlight of issue : First, the SOL is over. The correct venue for this case in in NH as per XXXX XXXX  own ask for arbition rights. They can not have it both ways and now flip to my state casue they do not like NH 's. The claim dates back toXX/XX/XXXX.

Reliant Capital Solutions called onXX/XX/XXXX at XXXX XXXX VIA called ID XXXX  from XXXX, Alabama. XXXX XXXX   asked for XXXX XXXX. I asked who was calling. He stated, " My name is XXXX  from with XXXX  representing XXXX You owe {$2400.00}, and I need to confirm some information. '' He never told me he was attempting to collect a debt, I was being recorded, or anything used can be used.

I thought representation was an arbitration company from XXXX given a very long dispute over XXXX XXXX  claim and services of collector XXXX XXXX XXXX all many years. I stated, " the debt is not valid. I do not owe them any money. I explained my story because I was not aware he was from a collection agency until I was talking to him. Then, the phone number I called to call back was their main line in Ohio, yet the caller 's phone was from a different state and city. In the end, the caller was reached via their corporate number but he tricked me using a noncompany number.

After he listened, He directed me to call XXXX to validate the debt, so XXXX  referred me back to them all within the hour ( the two were working together ).

I was provided a reliant supervisor E-mail to contact as I offered to settle the case for less than their claimed amount of {$2400.00}. No response yet.

XXXX XXXX XXXX is using abusive tactics via collection agencies, and the collection agencies are consistently not being held accountable for violations of the law. Therefore, I exercise my right for legal action and fines again present, former collection agencies in this case and now XXXX  who knows abuse the abuse and letting the collection take to blame for violations of the law. The tactics of this agency, the others, and XXXX  is intended to inflict harm as long as possible with NOT intent to close this out. I offered to settle multiple times, yet they keep saying they my credit report will be impacted.
Product: Student loan

Nelnet has accepted my Segal AmeriCorps Education Award of {$6800.00} on XX/XX/2024. They have also accepted an interest payment of {$880.00} on XX/XX/2024. These amounts are not reflected anywhere on my account with them and they expect repayment on XX/XX/2024 to begin. They state they have not received any payments in the past 12 months. I am still an XXXX XXXX with a contract from XXXX. My understanding is that I should be able to file for forbearance during my service. I am being denied forbearance.
Product: Credit card

Good evening-I signed up with Care Credit in XX/XX/. I have made my regular payments monthly and my balance is increasing as opposed to decreasing. 

I would like for someone to check out the details of my account to see if I am being wrongfully charged fee/interest.
Product: Debt collection

On XX/XX/2020 an incident occurred with another individual that required car repair to the other vehicle. The damage was a result of the other individual, represented by XXXX XXXX, parking illegally and obstructing my driveway. 

The other person involved that had damage to his vehicle had it repaired by XXXX XXXX prior to relaying the damages and falsely reported I was responsible for the accident when I wasn't even the driver. 

XXXX XXXX referred this to XXXX which has mailed me two letters regarding this and with an outstanding amount providing an email where I can respond to disputes. On both occasions I did email XXXX   and advised them this was a false claim and any further communication with me should cease and the matter would need to be settled through court. 

I received no response or acknowledgement from XXXX of my email and then was contacted by an organization named Recovery Partners. This is not an outstanding debt since the other party involved has  committed fraud in reporting the incident as entirely not his fault. 

I have requested on three separate and distinct occasions to cease contacting me and directed them to legal proceedings since I do not owe anything when a car was illegal parked and I was not the driver. They need to stop harassing me and follow the legal process and not intimidate me and threaten to damage my credit.
Product: Payday loan, title loan, or personal loan

Conn 's has reported my account past due iao {$19.00} and showing past due for 30 days based on an fee. The pay account that I normally use for payment was changed due to fraud and I forgot to update the new account information. The payment came back returned and once I realized what had happened I immediately went into the account to make the payment. My contractual payment each month is {$31.00}. That payment was made on XX/XX/20 in full. Conn 's reported the account past due for 30 days on XX/XX/2020 and cause my credit score to drop 30 points and added a negative mark to my payment history. I called in XXXX, and have tried to resolve the issue with the company several times this by chat and phone and have yet to get this issue resolved. I was told that the supervisor would call me back before the XX/XX/XXXX and no one yet has called me still to this day. I reached out again on XX/XX/20. The rep stated that they can include the fee into the contractual payment amount due for that month. I advised that this was illegal and that technically they were changing the loan agreement without my consent. Conn 's changed my payment amount due for the current month to include the fees as the actual monthly payment due. I would like my payment amount adjusted to show the contractual payment amount due each month.
Product: Bank account or service

I tried to dispute this case with BB & T and was treated very poorly in many nice words.I am attaching the letter I gave them. I overdrew my account XXXX yet I got charge XXXX times for a total of {$460.00} instead of {$72.00}. Why am I disputing this? Well according to their posting procedure which should have been posted in order I would not have had this issue. I first spoke to the senior personal banker and I know she do not really wanted to clear this.I am just speculating. I apologize if I am wrong. I also spoke to the manager seemed to understand but said to me that It would not be fair to treat me special ( XXXX/XXXX/2015 ) .I do n't care to be special just do n't rob me or anyone blindly. At least XXXX XXXX XXXX and XXXX do not deceive their customers in their disclosures. They state clearly that they can change posting orders which I am sending to you to see what they have on paper. 
BB & T representative at the branch said it is considered a hard posting. I do n't see how the computer system coincides with their policy. I am willing to take them to arbitration.
Product: Credit card or prepaid card

XXXX XXXX. It's impossible to find someone. XX/XX/XXXX the were going to revert the charge and almost three week later, stills there. AND, for some reason I don't know, when the amount was higher, the minimum payment was {$26.00} and now increased to {$33.00}. Seriously?
Product: Mortgage

We never signed the note only the mortgage, the note signer passed in XXXX. We were never billed, we were never notified of servicer changes, our payment or calls were not accepted. We were sued by Bank of New York Mellon who forged the note, violated stay in bankruptcy court, allegedly robo signed assignments, violated civil court mandatory mediation and abuse legal process by having hired 5 different law firms. One of which, XXXX XXXX went to a mediation with another attorney and even though Im pro se told the mediator that he represented me. This was done during a bankruptcy stay. XXXX, XXXX  XXXX XXXX and XXXX are the servicers and Ive never heard from any of them since XXXX. The lawyer that was misrepresented as mine although I am pro se is constantly trying to buy my house at a short sale and has harassed us about it for years although we have told him to back off.
Product: Debt collection

Today is XX/XX/22. My name is XXXX XXXX and the account I want to make a complaint about is XXXX XXXX in the amount of {$200.00}. I have no knowledge of this account. I have been with another cellular service for 3-4 years. I called to speak with the company and they still want me to pay on a debt that I have no knowledge of.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX  XXXX Balance : {$910.00}.
Product: Credit card or prepaid card

MY FORTIVE/XXXX XXXX-BUYER BEWARE!!!!! 
PAID PERFECTLY FOR A FULL YEAR, MADE A PAYMENT ARRANGMENT FOR FINAL PAYMENT WITH A POST DATED CHECK TO AVOID DEFERRED INTEREST CHARGE AND WAS CHARGED ANYWAYS EXTRA {$940.00} PLUS FEES
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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

I did not consent to authorize nor benefit from this account.
Product: Debt collection

Dyck O'neal is a debt collection agency. They have purchased a debt and reported it as open installment accounts. They have dishonestly reported an account ( ending in # XXXX XXXX to all the reporting agencies. They are currently reporting this as a part of a bankruptcy that was discharged in XXXX yesterday the account as opened in XXXX XXXX. I have disputed several times and they continue to change the data inaccurately, fraudulently and misleading. To find out this is in fact an attempt to collect a debt. They are reporting it as an installment which it is not. Dyck O'Neal is plainly titled as a collection agency, not an original creditor and has not validated any debt owed. I have received no information from this company via mail or otherwise to resolve any debt with them, which is failure to notify according to FCRA regulation. The attached document shows the mid information and their refusal to remove it is violating the FCRA. They continuing to submit information that they know is incorrect, and XXXX, a XXXX, and a XXXX  has allowed this defamation. 
.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX, XXXX, AND XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX, XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

1. Plaintiff, XXXX XXXX XXXX, alleges that Defendant owes an alleged debt of {$800.00}, acquired from XXXX XXXX. 

2. The company has responded to my validation of debt and ability to provide documentation to support their claim of Right to Collect the debt '' by providing the required documents by law. 

Here is the response. With its purchase of the Account, the Current Owner acquired all ownership rights, including the rights to collect on the Account and to report to the credit bureaus, if eligible. Currently, this Account is being reported to the credit bureaus on behalf of the Current Owner. Based on the information contained in the Account records, the tradeline for this Account should not be deleted ; however, it is being reported as disputed to the credit bureaus. 

It will continue to report as such for the remaining reporting period unless new information indicates that the disputes should be removed. 
XXXX has satisfied its obligation to provide all relevant documentation requested by the consumer. 

XXXX is not obligated to respond to the consumer 's request for a copy of a purchase and sale agreement and declines to do so.
Product: Debt collection

I opened an account for Capital One for a credit card in XX/XX/XXXX. I made on time payments but there were 5 months between XX/XX/XXXX and XX/XX/XXXX that I did have late payments. 

However in XX/XX/XXXX I made a payment arrangement with capital one to pay {$50.00} a month until the debt is paid off. I paid {$50.00} on time from XX/XX/XXXX to XX/XX/XXXX. The company did not inform me that each payment I made was hurting my credit. If I knew that I would have never made one payment. I now have 37 charge offs on my account for just this one bill. My husband and I recently found out our landlord is selling the house we are in and we are trying to get pre-approved for a home and this is one thing that is preventing us from being able to move. 

I settled the debt with Capital one for {$420.00} of the {$1200.00} I had left on the balance to avoid any further charge offs that could hurt my credit. Now the debt is paid off but the balance still says {$780.00} on my credit report. I understand that I made the changes in XX/XX/XXXX to settle it so it may take until XXXX to clear it but I want the 37 negative marks removed. When I call the company they don't have anyone I can talk to that understands how the credit is reported. I am a HXXXX XXXX  XXXX myself and I know how read client 's credit reports and when I discovered this ... I regret that I paid them a dime. 

Please help me so I can get pre-approved. My credit is behind 18 points and I have paid off all debts besides my student loans.
Product: Mortgage

I applied to wells Fargo located in XXXX CA and they declined my loan for missing docs When they did n't even sent me a letter stating that I was missing docs. 
They did n't send me a welcome letter within the 3 days that the law permits they told me to provide them documents only to ask for more and to reject the ones that I submitted. they had me re-apply a second time ' so that I would meet some TRID guideline that they violated. This is the worst bank ever.
Product: Mortgage

My ex mother in law XXXX XX/XX/XXXXand her house was left abandoned by her son. In XX/XX/XXXXof XX/XX/XXXXthe house was still sitting. My children wanted to live in grandma 's house and since my lease was up in my apartment I decided to see what I can do about that situation. I contacted my ex husband and he told me he did not want the house. I asked for the mortgage information so I can see what I can do to save the house. My kids and I moved in the house and I started to correspond with the mortgage company. I was told that I can assume the loan and do a mortgage modification. I was told if I qualify and complete the modification is when the loan can be assumed. I started the process. I got approved for the modification and was to make my first payment XX/XX/XXXX.. I received a call from PennyMac stating that everything was not approved yet in XXXX. I asked what about the payment I am supposed to make this month. The lady stated that I should not make a payment until I am approved. I stated ok and how will I know if I am approved. She stated that I will be notified in writing. I said ok and waited for the correspondence. I received a call at the end of XX/XX/XXXX concerning payments that should of been made XX/XX/XXXXand XX/XX/XXXX. I told the person exactly what I was told to me on the phone. She told me that call was a different department concerning the assumption. I told her that I was not informed of that and she stated that they were going to cancel the modification if I did not make the payments. I told her that I can make XX/XX/XXXX at that time and I will make XX/XX/XXXX2 weeks after that and she stated ok. I made the payment. There was a problem in the house in which I had to pay a huge amount to get something fixed. I explained to PennyMac this situation and was told that I needed to make payment for XX/XX/XXXXand XX/XX/XXXX that day. I explained my dilemma and they stated that they can deny the modification and I can reapply in 45 days. I stated that will be fine. I called in 45 days to reapply and I was told that they already put everything in for me to have assumed the loan so the loan was in my name. I stated how was that possible since the modification did not go through. She could not give me the details since that was a different department. So now they are stating that I have taken over the loan the was it was which was in foreclosure and past due {$20000.00}. I asked what I can do and I was told to come up with {$10000.00}. I explained that I did not have that kind of money and specified that this is not right that I was put on this loan under false pretense and she stated that she has nothing to do with that. I need help. I do not know what to do but I know this is not right possibly legal.
Product: Credit reporting or other personal consumer reports

The late payment account that's reporting on my personal credit profile has not been proven, validated, and more importantly, I never gave permission for any credit reporting agency to report anything on my credit reports. This is a violation of my privacy rights and defamation of character! 

The account I'm having an issue with is listed below : Account : XXXX Account XXXX XXXX I need proof and validation that I have given written consent to report anything on my report.