23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/20 a number called my father who I haven't spoken to in years and told him I was in trouble and had a pending case against me. Then she called my mother and identified herself as XXXX XXXX. She then became interrogating my mother asking if we live together and telling her I was in trouble as well. This number has only called me once and should not be contacting my family telling them I am in serious trouble. Once I called the number she gave my mother, it was a preceding office stating the cash store filed 3 charges against me. The cash store is also stating I owe them XXXX when I really owe them XXXX. I do not agree with their communication tactics as I haven't received anything, but 1 phone call which was this morning, XX/XX/20, and for them to harass my family is unacceptable.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. 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 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: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. XXXXeporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Debt collection

The above mentioned account is being reported as a paid collection on my credit report. After several statements and confusing correspondence I do not believe that this account is accurately being portrayed on my credit report. I have strong reason to believe that some of the information that is being reported on my credit report is inaccurate. So to clarify the accuracy of the reporting of this account I am formally requesting the following information that is being reported : 1 ) Original Note or bill to ensure the accuracy and legitimacy of the date the account was opened, account number, and terms of the interest and penalties that were originally agreed to and that it belongs to me. 

2 ) Payment History of the account for the entire duration of the note to review the application of payments to their proper destination 3 ) List of charges and fees especially those assessed after the collection status on the account 4 ) Date of actions taken on this account including but not limited to the dates of the collection status, correspondence sent to me regarding the collection action, and collection activities 5 ) List of the dispute instructions sent to you by the credit bureaus from my dispute letter
Product: Student loan

On XXXX XXXX XXXX I made a payment of {$660.00} to Mohela. I did this because had received a notification that day stating that my auto-debit withdrawal had not been processed on XX/XX/, and I was under the assumption that the payment was already deducted from my account. I did not expect to have missed a payment and I would have clarified this earlier. I went to pay the amount for both months due as my monthly fee is {$330.00}. However, when I made the payment, I realized that the entire amount went toward the " interest '' and was not applied to my principal. Consequently, I had to make an additional payment of {$660.00} on XX/XX/XXXX to apply it to the principal. This situation was quite unclear and confusing to me. Now I have paid a total of {$1300.00} in XXXX month which has lead to hardship
Product: Mortgage

We had a family vacation planned for the month of XXXX and XXXX was not working at the time so I filed for financial assistance for the month of XXXX. I filled out the forms and emailed it to Carrington on XX/XX/XXXX and again on XX/XX/XXXX asking for an update. Never heard back so I called them hoping to get an update on XX/XX/XXXX. I got passed around and never got any answers other than being told it was pending. I called back again on the XXXX but the hold time was too long and I was at work so I ended up hanging up. ( The XXXX and XXXX I called from my work phone line so I will not be able to get phone records ). I called back on XX/XX/XXXX and was told I was denied financial assistance on XX/XX/XXXX because they did n't have all the info they needed. I made the payment the same day. The call on the XXXX was from my cell phone so I can get phone records if needed.
Product: Mortgage

I purchased a home with my husband in XX/XX/XXXX. Roundpoint Mortgage purchased my mortgage from the original lender in XX/XX/XXXX. I neither chose nor desired any business relationship with Roundpoint Mortgage Servicing. I have paid or attempted to pay each and every one of my payments on time, usually well in advance of the due date. Twice they have misallocated a payment by adding my monthly payment to the principal column of my account rather than distributing it per our agreement and adding the additional principal paid as directed on my payment coupon ( which was always completely and accurately filled out ). The XX/XX/XXXX payment was never recorded/charged from my checking account, even though the check/payment was sent at the end of XX/XX/XXXX. I called to discuss why it had not been applied, and I was told over the phone that it had. I actually made a payment online while on the phone with the agent to cover the payment. He advised me that he had infact found my XX/XX/XXXX payment and that it cleared on XX/XX/XXXX. He then cancelled my online payment so that I wouldn't double pay. I then received a notice that I owed 2 payments and called the company yet again. As it turned out ( it took an hour -- 62+minutes -- to figure out ) the payment received on XX/XX/XXXX was the XX/XX/XXXX payment and they still had not applied the XXXX payment that I mailed in XX/XX/XXXX. I paid both the XXXX and the XXXX payments on XX/XX/XXXX. When I received the XX/XX/XXXX statement for the XX/XX/XXXX due date, my " Principal YTD '' showed " - {$88.00}. '' After my 2nd phone call on XX/XX/XXXX which lasted 46 minutes, they finally figured out that when they misallocated my payment in XX/XX/XXXX, my principal portion was put in the negative so severely that even after paying approximately $ 350/month towards principal, it's still in the negative. They have yet to clear this up. Each month there is a new problem. They still can not guarantee that I'm not being charged interest ( accruing interest ) on debt that has already been paid. When I call, the employees do not know what to do with my issues. On more than one occasion they have blamed me for the problem, saying that I should have waited until the calendar month in which the payment was due prior to making the payment, even though I was simply paying the bill as it arrived *and* my due date is on the XXXX of the month, so I can not send it in on a different day of the same month and still be on time. The company should NEVER blame the consumer for a problem that the company caused. Additionally, the company misfunded my escrow account and they charged me an extra {$1500.00}! I truly believe that this money is messed up in the same way that my principal is messed up and I've been forced to pay this illegally. I just want my money to be applied to my debt in a fair and legal manner.
Product: Checking or savings account

I bank with Wells Fargo. On XX/XX/XXXX I called support and made two disputes on the exact same company charging me, caesars XXXX XXXX. I told them im XXXX XXXX XXXX, and there is XXXX way i could even gamble. A support member told me to call XXXX  as well, where they had XXXX account with my name or social. One of my disputes, the ones made with ACH were accepted by wells fargo and they gave me the money back. The other dispute MADE ON THE EXACT SAME COMPANY. got denied by wells fargo. These two disputes i called and made on the EXACT SAME DAY on the EXACT SAME COMPANY. How did only one of them get accepted and the other was denied? Heres proof the the dispute, and proof that i got refunded on only one of my disputes.
Product: Credit reporting or other personal consumer reports

on XXXX I sent the company a check to pay off my credit card, I sent with tracking and proof of receipt, and the check was received on XXXX and deposited on XXXX. I also included a letter that I wanted to close my account, this letter was also received on XXXX as it was in with the check. 
The company took several days to apply the payoff, and I had a {$77.00} overpayment. Due to the company taking several days to make the credit to my account, and not dating the payment as received on XXXX, the account incurred further interest which ate up the overpayment. Then, the company DID NOT close my account at I requested, instead, they lowered my credit limit from the {$3300.00} limit I had to {$100.00} dollars and reported THAT to the credit bureau which of course hurt my credit! I called the company and sent messages to them advising this was not acceptable as they indicated they lowered the limit on XXXX, but they had received my request to CLOSE the account on XXXX therefore that superseded their lowering my credit limit. They should have reported that the account was closed at my request on XXXX.
Product: Credit card or prepaid card

Due to identity theft and the unauthorized access to my checking account through XXXX XXXX, XXXX XXXX performed a security closure on my account, and opened a new account crediting me for the unauthorized transactions. The identity theft occurred after my scheduled payment to Citi, but prior to Citi presenting the payment request to XXXX. As a result my payment to CITI was returned, as it was processed under the account which had been securely closed to protect my identity. 
Immediately after learning of this returned payment I proceeded to make a replacement payment to CITI, however shortly after the initial payment being returned due to identity theft CITI proceeded to close my account without notice. 
When I called CITI requesting an explanation initially they were unable to provide an explanation, and only stated I should receive a letter shortly. 

On XX/XX/XXXX XXXX sent me a letter stating : XXXX XXXX XXXX XXXX was unable to process the payment. Contact them right away so a replacement payment can be made. 
Once you speak with XXXX XXXX XXXX XXXX, quickly and easily make a replacement payment in the Citi Mobile App or Citi Online. The payment will be credited same-day. 
Please contact XXXX XXXX XXXX XXXX directly for any further questions or clarifications about this returned payment. 

On XX/XX/XXXX I was told by a CITI representative that once the account was brought current the account could be reactivated. Should it be required I can provide transcripts of every call made to CITI regarding this identity theft case and account closure. I made the payment and received confirmation of the replacement payment being made. I also offered to sent CITI my identity theft affidavit as well the report made with the XXXX XXXX Police dept reporting the identity theft. However, multiple CITI representatives stated that would not be necessary and in fact refused my request to send it in. 

On XX/XX/XXXX I received the following notice : Hi, XXXX. As requested, we've closed your Costco Anywhere Visa account. Please be aware that you are responsible for your balance and will continue to receive monthly billing statements until it is paid in full. If there is a credit balance, we'll send you a refund within 90 days. 

I never requested my account be closed, and it was closed prior to XX/XX/XXXX contrary to what this letter states. 

My account closure by CITI due to my documented Identity theft are a clear violation of multiple consumer protection statutes, as well as a major violation of XXXX. Further violations are made by CITI stating the account would re-opened, being unable to provide a reason for my account closure initially, stating my account was closed because I requested it, which I did not, and refusal to reopen the account despite it having fraudulent transactions on it as well. 

My Citi account also has several active billing disputes, which prevent the account from being closed while being investigated.
Product: Credit card or prepaid card

Synchrony Bank : XXXX XXXX XXXX XXXX. XXXX, XXXX , UT XXXX ; owns the following account Credit Cards : Walmart , Chevron , XXXX, and J.C. Penney . I am the victim of Identity Theft and Computer Hacking. The F.B.I. sent this information to all my creditors, however, Synchrony Bank is ignoring the fact that all my money is gone because their Cyber Security is inadequate when it comes to Identity Theft. My payments were either partially taken or fully taken in transmission from my financial institution to these accounts. Synchrony Bank calls me non-stop beginning at XXXX. None of the employees calling has he authority to make arrangements with me on any of these accounts. I made arrangements with the Walmart employee to pay {$25.00} a month, but now that 's not acceptable. Not only that, But on XXXX, Synchrony checked my Credit Bureaus ratings for no reason, and lowered my limits on the XXXX card, and the J.C. Penney Card, which has no balance at all in 1/2 or more. By doing this, Synchrony lowered my FICO score even more and for no reason at all. I need help in dealing with these cards, because Synchrony wo n't even take the F.B.I. 's findings good enough to stop the harassment. Also, Synchrony, continues to charge interest and late fees to these accounts.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and noticed I had fraudulent accounts on my report XXXX has violated my my rights on ( XXXX ) They violated these laws 15 USC 1692 ( b ) ( 2 ) 15 USC 1692 ( C ) ( A ) 15 USC 1692 ( B ) ( 5 ) Please remove this account from my report they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, XXXX to reinvestigate these accounts accounts : XXXXXXXX XXXX {$150.00} since XXXX. XXXXXXXX XXXX {$80.00} since XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isnt reporting correctly.

15 U.S.C 1681 Section 602 A. States : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section ( 2 ) : It also states : a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other then records of c
onvictions of crimes which antedates the report by more then seven years.

Also they arent in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by

my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. Likewise, these COLLECTION ACCO
UNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Debt collection

During Covid I was harassed monthly by XXXX XXXX XXXXXXXX XXXX XXXX leasing office agent although they received their rental payments on time. Monthly, I was threatened by them that myself and my XXXX children ( XXXX of which were XXXX  ) would be kicked out on the streets After receiving a fake eviction notice on red construction paper I was basically forced to leave the unit without anywhere for my family to live due to the constant harassment, emotional distress and feelings of uncertainty and safety. We were homeless living out of my car for 4 months. The makeshift eviction notice contained a signature of someone who was no longer an employee at the property and Im sure she has no idea her signature was used. The property also received 2 months rent on my behalf after my move out although I was no longer occupying the unit. While residing in the unit maintenance never came to fix anything that I put a work order in for they just marked it as completed in the portal. My garage door didnt work for XXXX months even though I put in several work orders to get it fixed. XXXX months after moving out I was contacted by a collection agency regarding a balance of {$590.00} that I had no knowledge of and was unaware even existed. I requested information regarding the balance from the collection agency and the property and never received either although I was informed that I would. I never received anything from the company stating that I owned anything. I wanted to know exactly what I was being charged for seeing as though I left the unit in excellent condition other than the normal wear and tear of living there for almost 8 years. I never received the information requested and 2 months later the balance appeared on my credit report. Charging people unknowingly, for unknown reasons and attempting to ruin their credit is illegal and extremely unprofessional. It was a complete nightmare living there after 2019! I would like for their billing department to credit the charges and remove it from my credit immediately!
Product: Mortgage

Company will not refund surplus, have lied repeated about what is law and policy, have harassed us consistently, an have ruin our credit, and are threatening foreclosure in spite of the fact that they have received more than required for accurate monthly requirements. The practices of this company are fraudulent, and misleading. We have consistently provided information, waited the advise time period, and 45 days later no resolution.
Product: Checking or savings account

Capital One has had my money frozen for something that has nothing to do with them nor is it was it any fraud involved! Ive asked and sent information request and still havent been resolved!
Product: Checking or savings account

I had gotten a notification that my account was locked and i needed to call the bank. When i called they explained that because of their policy my account would be closed and a check of the balance of my account would be mailed to my address. its been over 3 weeks and whenever i try calling just to clarify that my account was closed and i will be getting the money in my savings and checking back but they never respond back.