23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Im  making this complaint against SOURCE RECEIVABLES MANAGEMENT for identity theft. I have never given SOURCE RECEIVABLES MANAGEMENT any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until SOURCE RECEIVABLES MANAGEMENT can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and SOURCE RECEIVABLES MANAGEMENT continues its collection efforts, I will file for litigation for actual damages caused and SOURCE RECEIVABLES MANAGEMENT will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

one inaccurate and fraud bankruptcy chapter XXXX public record is reporting on my equifax credit reporting agency, i have disputed this several times and so far they have not been helpful at all i have never filed any bankruptcy in my life, and for some reason this is showing on my equifax only, please help me to remove this inaccuracy removed from my credit file. i have attached my police report and the FTC report  which i have file. please find attached thank you
Product: Credit reporting

I have XXXX late payments reflected from XXXX bank which are in error. They were suppose to take the money out on automatic payments which they did not. This derogatory information is listed on my credit report and should not be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon my name is XXXX XXXX On XX/XX/2021, I sent a letter regarding inaccurate and unknown information on my credit report. It has been over 45 days and I have not received a response to my disputes and I feel as though Im being ignored, and my issues are being promptly resolved. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report and it has been over 60 days so they should be deleted promptly. I demand these accounts be removed or I will be forced to seek litigation. My information was also impacted by the Equifax breach and the target breach and may have gotten into the hands of the wrong people. Inaccuracies on my credit report have cost me thousands this year and can not be ignored in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Corelogic credco supplied " Alternate facts '' that showed information that was outdated and not matching my three credit reports, which XXXX XXXX XXXX used to deny us credit.
Product: Credit card or prepaid card

My statement cycle ends on the XXXX of each month ; I had paid a payment to them on XX/XX/XXXX for {$XXXX} to cover minimum due for the XX/XX/XXXX due date. When my statement generated on XX/XX/XXXX it did reflect the payment that I had made and left a balance of {$XXXX} due on my account. I checked this again later in the month and that is the amount that was reflected on my online account {$XXXX} and I decided to pay this card off entirely as I have been doing with other cards, including XXXX separate cards from XXXX. I paid the {$XXXX} amount that was shown as my " current balance '' on XX/XX/XXXX when I logged into the website. The payment was deducted and I anticipated that this balance was satisfied entirely. Today, I log into the account to check and there is a balance shown that generated on my XX/XX/XXXX statement for interest totaling {$XXXX} and there are XXXX transactions showing XXXX separate interest charges ; XXXX for {$XXXX} and another showing {$XXXX}. I am not understanding how if I paid the entirety of the balance shown on the website on XX/XX/XXXX how there is any interest charged to my account. When the statement generated on XX/XX/XXXX my account balance should have been XXXX. As I mentioned, I have been paying off other cards ( including with this same company ) and none of them have done this. I reached out to the company and was only told that XXXX charge was interest due from when Barclay 's acquired my account from XXXX. That happened months ago and any/all balances should have been reflected on the website on XX/XX/XXXX when I paid the entirety of the balance of {$XXXX}. I do not feel I should owe the amount of the XX/XX/XXXX statement balance of {$XXXX} and I would like for the company to remove these charges.
Product: Mortgage

Am presently involved in a re-finance process with AmeriSave mortgage. While my complaint is not with AmeriSave solely, I feel this is an industrywide problem. 

The problem I have is a question of fairness in the income verification rules/processes. 

In my case, I presented to the lender that I was employed by a California C Corporation and received a W2. I also happen to own greater than 50 % of this corporation. As such, the lender insisted on categorizing me as " self-employed. '' The result of which was the lender 's request for several documents for the corporation ; i.e. corporate tax returns, profit and loss statements, bank statements, etc. 

I pushed back on their requests stating that I did not have the unilateral authority to disclose such documents as the employer is a corporation and not a party to the re-finance process of an employee. 

Following many heated phone calls with the lender and a consultation with an attorney it seems the lender can ask for whatever they want of me because I happen to be a majority owner of the corporation. As the consumer, I can provide the information or not, but run the risk of being denied the loan as a consequence. 

Herein lies the problem of fairness - given the same or similar circumstances, if I owned only 49 % of the company, I would not have been subject to this additional scrutiny. And yet, in either case - minority or majority ownership - the risk of a loss of income due to some failure of the corporation is the same regardless. So then, to allow additional scrutiny based merely on percentage of ownership seems patently unfair and should not be allowed. 
While I realize that this practice, so far as I can tell is legal, it may have been an oversight when the laws were put into effect or this issue of fairness never before considered. My use of this form has been the only avenue I have found so far to address what might warrant a change in the law.

Kind regards, XXXX
Product: Credit card or prepaid card

I opened a credit card at XXXX! for a Gift of DRUMS for my high school students. I guess when I opened the card! they decided to also give me card Security? NO DISCLOSURE of fees as they are different every month?? I do not remember anything like this in the application of the card. ( Woodwind and Brasswind/ SYNCB ). Account opened on XX/XX/XXXX. Now I never got my CARD RIGHT AWAY. I got in XXXX only rec 'd e-statement which I did not choose either! Now that I can see my statements I saw all the monthly charges on it XXXX {$25.00}, XX/XX/XXXX {$24.00}, XX/XX/XXXX {$24.00}, XX/XX/XXXX {$24.00} XX/XX/XXXX {$23.00} Like I said NO REAL DISCLOSURE!! Call my customer service with Synchrony Bank about the charges and FRAUD they stated that its a different company that does the charges and that it was part of the application process and that synchrony bank has nothing to do with it. Well I was lied too two times by this company! After being told to call the XXXX # on the statement being told oh you picked the security on the application and I stated where is the disclosure of this and I wanted a copy of it. they decided to REFUND me today {$120.00} to show up on my NEXT Statement Conformation # XXXX By XXXX XXXX XX/XX/XXXX. I then asked her for the full Name of the company that she works for which blew me away!! Its Synchrony Bank .Now I was Just lied to By the customer Services Department and their Fraud Department Both told me that Synchrony Bank has nothing to do with it??? This is Fraud at its highest level to consumers of Synchrony Bank and it needs to STOP as you can see they can charge people any amount they want!!! NO DISCLOSURE OF FEES or that you will be charged! I wait for my refund but I feel for the Rest of consumers that were or are being ripped off as well. Maybe a class action law suite is needed to protect Consumers from this company! with its lack of disclosure on the applications. 
Thank you XXXX XXXX
Product: Debt collection

Complaint was sent to Aldridge Pite Haan. Complaint # was XXXX. Based on XXXX XXXX XXXX 's letter on XX/XX/2018, XXXX XXXX XXXX has completed its investigation into my fraud claim and has notified to Aldridge Pite Haan LLP that it has determined the fraud claim to be invalid.

I am requesting notification letter of the investigation : 1. fraud claim validity 2. relationship proof between XXXX XXXX XXXX and Aldridge Pite Haan LLP .
Product: Credit reporting or other personal consumer reports

I have tried to resolve this issue with this debt collecting company and they have yet to delete the item from my credit report. I have reached out multiple times and they have shown no proof off who acquired this account. This account also shows false information from one one bureau. I have multiple inquiries which I am not aware of. Only being reported through XXXX. 

XX/XX/year> NAVY FCU XX/XX/year> NAVY FCU ( two on this date ) XX/XX/year> NAVY FCU
Product: Debt collection

American Education Services/Pheaa recently reported my account delinquency status to the major Credit Bureaus in response to the account being delinquent. The Credit Report reflected a past due amount of less than {$100.00}, however, AES was requiring a payment amount of {$180.00}, as this was the standard figure per month. 

I 'll point out again, also, that AES should be stripped of changing due dates on any account, as they do n't handle those requests professionally and abruptly change due dates with little to no communication efforts at least 30 days prior to the account change. 

In addition, I would strongly advise AES to make careful considerations into who they employ to speak to borrowers over the phone, as some of the individuals who I 've dealt with sound very uneducated and are less cordial than any borrower would expect.
Product: Mortgage

I have a home in XXXX for 15 years with my wife. My wife passed and i had to go get the home changed into my name. M & T bank knew that and after a long court case got it into my name. I was working with XXXX XXXX XXXX XXXX and they approved my claim and was trying to work with M & T bank on a loan modification. We had been talking for 3 months working to get a deal done and M & T bank had a servicing company call XXXX which was supposed to service the loan but XXXX XXXX XXXX XXXX doesn't work with servicing companies only with banks. M & T was to talk with XXXX to keep them updated on what was going on with the deal we were trying to make but M & T never kept XXXX in the loop. XXXX then lied and said they spoke with XXXX XXXX XXXX XXXX on XX/XX/XXXX and stated they got a denial letter from XXXX XXXX XXXX XXXX. I talked with XXXX XXXX XXXX XXXX and they said they never spoke with XXXX and that my case was still pending. Neither me nor XXXX XXXX XXXX XXXX recieved and type of foreclosure notice or even a letter stating forclosure was immenent. On XX/XX/XXXX they forclosed on my home and took away any options i made have had which included short selling. They didnt wait the 20 days they are supposed to and have started to remodel my home. Im looking to get the foreclosure reversed so i can take my home back and either keep or sell. I would love to have help in this dire circumstance
Product: Debt collection

I have two collection accounts on my report from two different companies with different and incorrect information on both accounts.
Product: Mortgage

In early XXXX, 2019 I was advised by my Mortgage Company, XXXX XXXX   that my mortgage had been transferred to Loan Care and that I should make mortgage payments to them in the future. I was advised I had a grace period of 60 days, nonetheless I arranged to pay Loan Care by check on the XXXX of XXXX and XXXX and in XXXX by automatic draft from my checking account.. 
On or about XXXX I received a statement from XXXX that my escrow account, the balance of which was in excess of {$2400.00}, had been transferred to Loan Care. 
On XX/XX/XXXX I was notified by my insurance agent and by my homeowners insurance company, XXXX XXXX, that my premium of {$2300.00} had not been paid and it was going to be cancelled. I calked customer service at Loan Care and  asked why escrow had not paid the premium, the agent told me it was my responsibility to pay the premium. My insurance agent advised to avoid a lapse in coverage I should pay and Loan Care would have to reimburse me. On XX/XX/XXXX I paid by debit card {$2300.00}, my insurance agent faxed a copy of the insurance policy with proof of payment and asked LoanCare Escrow to reimburse me. 
Loan Care advised me the policy did not include windstorm coverage and they were going to purchase that coverage and charge me for it. My insurance agent called and pointed out to Loan Care there WAS windstorm coverage as did I. I, nonetheless received a letter saying windstorm was being purchased. 
I called Loan Care escrow department and explained I needed to be reimbursed {$2300.00}, he got XXXX XXXX on the phone with us, they advised since I had paid the premium first when they later got payment from Loan Care escrow that payment was refunded to Loan Care. The agent advised he would see to it that I was refunded {$2300.00}. That was early in XXXX, I heard nothing thereafter.. 
On XX/XX/XXXX I mailed to Loan Care Escrow Department a letter demanding a refund on the format provided by CFPB It is now.the evenijng of XX/XX/XXXX and i have had no response from Loan Care. 
Please assist me in getting a refund of {$2300.00} that I paid out of pocket for a premium that should have been made from my escrow account which, by the way does NOT show the payment from XXXX XXXX to Loan Care escrow.
Product: Credit card

I've had a XXXX XXXX XXXX American Express Card for several years and I was enrolled in their Financial Relief Program, where my minimal payments were capped at {$130.00} per month, from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, my enrollment ended and my minimal payment due increased to {$170.00}, which was paid on time. However, when I got my statement for XXXX, the minimal amount due suddenly rose to {$220.00}, despite my rarely using the card the previous month. This is more than the minimal amount I paid for my XXXXXXXX XXXX XXXX XXXX which had a higher credit line ( {$9500.00} ) than the American Express Card ( {$6500.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I opened an account with Venmo on XX/XX/22, a friend sent {$50.00} to my account. I added my bank card and tried to transfer the funds so that I could withdraw them. It didnt work, so I attempted to link my bank account, which also did not work. I then recieved a message stating that my account had been frozen due to " suspicious activity '', and was asked to verify my identity by uploading my State Id, in which I did, and it states IN MY ACCOUNT has been verified. I have chatted with team members many different occasions throught the last 7 days, and keep getting told a specialist team member will have to fix the issue and will contact me in 6-7 days, which is passed now.I requested this evening that i just be able to transfer my money somehow so i can withdraw it and close the venmo account as it is too much hassel and i no longer want business with them. Then i read many others complaints about the SAME exact thing happening to them, and that they were scammed and never even got theor money. Still no response and problem not solved. I cant even access my funds
Product: Debt collection

XX/XX/XXXX received phone call, confirmed contact info and relieved a letter stating they were a collection firm on behalf of XXXX XXXX  for a credit card opened in XXXX. This is a fraudulent charge, in no way is the account mine. I do not use XXXX XXXX. They called me multiple times with threatening voice-mail, appealed for me to settle outside of court, said to expect to be served, and also called my mother with a threatening voice-mail. They sent an email of a " demand notice '' for me to sign to confirm. I did not do that or take further action with fjs. 

I spoke to us bank, they have no history of me having an account with them. The company that called me claims they are FJS global - website : XXXX XXXX XXXX Phone number : XXXX
Product: Mortgage

In XX/XX/XXXX we moved from our home in XXXX to XXXX. We still own the home in XXXX and planned to use the home as a rental property.On XX/XX/XXXX our our homeowners insurance was canceled by XXXX XXXX XXXX. At that time we, the homeowners were never informed, but Mr. Cooper home Loans the lender for our mortgage was informed but failed to let us know. In XX/XX/XXXX, when our homeowners insurance was up for renewal we were informed of the cancelation in XX/XX/XXXX. In XX/XX/XXXX, Mr Cooper informed us since our policy lapsed we would need to purchase insurance to cover  XX/XX/XXXX through XX/XX/XXXX. I attempted to do so but was informed by my insurance agent that it is against the law to back date a policy and provide a policy for coverage that they did not provide. I informed Mr. Cooper of this and was told that they would then take out a policy in my name through their company to cover the lapse in coverage. They just sent me a new homeowners policy costing {$1200.00} and stated I would have to pay for this policy which has been purchased without my consent and would be back dated to cover XX/XX/XXXX through XX/XX/XXXX.
Product: Credit reporting

Someone tried to open at XXXX XXXX XXXX, on XXXX/XXXX/XX/XX/2015, the next day XXXX sent me notice that on inquiry was made at equifax. I contact the following XXXX, XXXX XXXX XXXX and was told to file a dispute with equifax. I did so on XXXX/XXXX/XX/XX/2015, they replied on XXXX/XXXXXX/XX/2015. Stateing that " & gt ; & gt ; & gt ; We have reviewed the inquiry information for XXXX XXXX XXXX. The results are : Inquiries are a factualrecord of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questionsabout this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX ''. As stated before I have already contacted them and was told to contact them. 
I want the unauthorized request removed from my file.
Product: Debt collection

Collection Associates LTD has falsely reported an allegedly owed debt to the credit bureaus without verifying the debt or contacting me about the claimed debt. On XX/XX/24 I disputed the debt via all major credit bureaus- Collection Associates did not respond to the dispute to me directly even though debt verification was requested in the dispute. Collection Associates ignored the request, but did inform the credit bureaus that the data reported was correct. This is not the case and hasnt been proven to be true. 
I disputed the debt for a reason and this dispute went ignored. Proper debt verification processes were not followed per FDCPA and FCRA guidelines. Per regulations, all disputes and requests for verification must be responded to directly. Collection Associates LTD failed to properly validate the debt in question. Pre regulations, their failure to validate the debt makes the alleged debt unenforceable and uncollectible. They are falsely reporting an unverified debt to the credit bureaus which has wrongfully impacted my credit in a severely negative way. This action could be construed as fraud and harassment per FDCPA. I request that Collection Associates LTD promptly removes the collection account from my credit reports and close out the account within their system as it relates to my name and/or personal information. The allegedly owed debt must be marked as unenforceable and uncollectible.
Product: Credit card

I purchased an engagement ring on or about XX/XX/XXXX and secured credit through Sychrony Financial. I have consistently paid timely and in amounts 2 to 3 times greater than the minimum required amount. I conduct all of my banking electronically. I received all notifictions through email and paid accordingly. Conspicuously, in the month XXXX XXXX, I received no email from Sychrony and therefore missed a payment XX/XX/XXXX ( I had last paid Synchrony on XXXX/XXXX/XXXX ). The emails resumed and I noticed on my XXXX statement that the minimum payment had increased so I made a payment on XXXX/XXXX/XXXX. I planned on making another payment today XXXX/XXXX/XXXX and upon looking into the account I realized that I was not only charged XXXX late fees but was also charged a 30 % interest payment of {$1000.00}. I immediately called Synchrony and was informed that I was charged the interest because I had n't paid off the balance in full by the end of the promotional period. I informed the representative that I had n't received any notification XX/XX/XXXX which is why I had missed a payment in XX/XX/XXXX and was not informed that the promotion was ending. I asked if I could pay the balance in full minus the interest charge and he informed me that I could not pay off the balance without paying the interest. I have excellent credit history and have paid this Synchrony line of credit consistently and in excess of the required payment amount since the first payment. I had planned to pay off the balance in full prior to the end of the promotional period but I was not informed that the promotion was ending. I only discovered this upon calling today. I was unaware that there were any issues with my account because I had been so consistent in my payments and had not received any notification to indicate that there was a problem. Upon reviewing my emails, I discovered that I had not received any emails from Synchrony XX/XX/XXXX. I can only conclude that the coincidence of this omission of notification was intentional and that Synchrony Financial intended to fail to inform me of the expiration of the promotion in order to secure a usurious interest payment from a responsible customer.