23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2019we attended Foreclosure Mediation at The OAH in XX/XX/XXXX, MD XX/XX/2103, in which the neutral judge told us that we should be allowed to submit the Borrowers Assistance Form so that we can seek the alternatives to foreclosure, the judge was aware of the Sale date being XX/XX/XXXX but yet instructed us/borrowers to fill the application for Loss Mitigation assistance. So we worked to quickly submitted the completed Loss mitigation Application to PHH onXX/XX/XXXX. Then PHH said that since the foreclosure sale date was less than 37 days away they are not willing to review the application.  I understand the PHH may be in their right to decide not to review that application but then what is the help being offered to us/client? We had already submitted an assistance application when dealing with  Ocwen , the previous mortgage servicer , and they did submit the paperwork requested by fax, but they told that Ocwen never received it after many attempts. We have not been receiving mail by PHH as we never received any notice that the house had a foreclosure sale date, until we were informed at the Foreclosure Mediation. We have income and are trying hard to earn extra income to help save our home. We would appreciate the opportunity to have the application reviewed for alternatives to foreclosure, as they have the power to allow a review of the application submitted. Thank you. Note :We can attached the Mediation files and the 3rd party authorization document if needed. Thank You,
Product: Credit reporting

Hello my name on the Transunion credit report has my name as XXXX XXXX XXXX. I do not have a middle name. My full name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XX/XX/XXXXXXXX
Product: Debt collection

I started having communication with XXXX XXXX XXXX years ago ( ca n't recall exact date ) when they acquired my account. I tried to arrange payments, but they wanted {$2000.00} before they would speak to me. If I had that, I would not have been in this position in the first place. My original loan with XXXX XXXX XXXX was for {$25000.00}. They came in with a figure of {$29000.00}. After taking me to court, we had settled on a no-interest payment plan. We also had my father removed from the loan as his signature was not legit and was on this document. With hardships at work, I could not afford the payment. After a few months, I received a letter that my payments were to be made to the XXXX County Sheriffs Department. It was to be 10 % of my weekly gross pay. I was paying {$50.00} a week, but had to by Certified Check or Money Order. This was costing me about {$55.00} a month. After sometime, it be came difficult to pay on my low salary with my other bills. After a few more months, my salary was garnished to collect fees weekly, leaving my strapped once again. 

I had since left that career and sent payment when I could to the XXXX Department. Last payment was for {$50.00} plus a {$10.00} bank fee for a Certified Check and that was on XX/XX/XXXX. 

On XX/XX/XXXX I received a letter stating " We are in the process of searching for assists to satisfy the judgement against you. If non-exempt assists are located, we may send the judgement to an enforcement officer for execution against said assists, unless we can make a satisfactory arrangement to resolve this matter ... '' To try and avoid this, I made an online payment to XXXX XXXX  XXXX for {$25.00} on XX/XX/XXXX. I also sent an email to try and make an arrangement to avoid any more harassment or enforcement attempts against me.
Product: Mortgage

My mortgage was sold to Rushmore XXXX earlier this year. XXXX of this year the company claimed to have not received my mortgage payment and processed a late payment on my credit report of 30 days past due to all of the credit bureaus. I have pictures and proof that they did in fact receive the payment on time and processed it. When ever I pay my mortgage online to Rushmore XXXX it takes about XXXX weeks or more for the Website to reflect that my mortgage was paid. Also, I have called the company several time to no avail, I sent letters, and emails and I have been given the runaround, placed on long waits, and then hung up on. I have been told that I would receive correspondence via mail and a call and I have not received any of these things. I have proof that my payments were sent to them on time, This has been an ongoing problem since XXXX of this year. Please help me to get this false late payment removed from my credit report.
Product: Credit card or prepaid card

On XX/XX/2022 i filed for Bankruptcy. 1 month Prior to filing, i completely paid off Target. I had a XXXX balance as of XX/XX/2022. I asked Target to please close my account. For whatever reason they never closed it! Target was not on the petition of the bankruptcy because it was no longer a debt. It was completely paid off 1 month prior of filing. This was before i was completely sure if i was going to file. Even my attorney told me it was not required on paid off accounts especially those that were paid off a month before filing. After i filed bankruptcy, Target took it upon themselves to report this account including in bankruptcy when it was clearly not part of the bankruptcy petition. It should of stated closed by consumer. They took a 2 year positive exceptional payment history, and turned it upside down into a negative status when there was no money owed! You are only required to include DEBTS THAT ARE OWED in a bankruptcy petition, not every account that are reporting. Paid off accounts are excluded from a bankruptcy. THEY ARE NOT DEBTS!!! Especially since the account was completely paid off prior before filing the bankruptcy petition. TargeXXXX was suppose to close the account back on XX/XX/2022, but did not! They took a positive exceptional account, and turned it upside down! Why??? This is Illegal and is a violation. Who are they to change the laws? I was a good paying customer, and they made it look like the entire account was charged off in the bankruptcy. Why would i pay you then? They are reporting incorrect information on the credit report. When someone pays off a debt, they have to get credit for paying it on time. It was paid early. They are reporting it like i was delinquent when i wasn't! You can not report incorrect information on a credit report! People sue millions of dollars every year for careless acts like this! I want to file a complaint against Target for damaging my tradeline with incorrect information reporting. They refused to remove it when i called. They have no clue what they are doing. They are hurting my credit report when they did this! Every account matters even in a bankruptcy. This is the one account i wanted to walk away in good standing. They are making me look bad! If i ever want to get another account with them, They will see i filed bankruptcy on them and burned them, when i didn't! Is this right or fair to me??? Its basically telling the credit reports that i did something wrong, when i didn't. I was in good standing with them, not the other way around!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting as multiple late payments in 2021 that were not late. Payments were made on time. During XXXX of 2021 I asked for a payment extension due to XXXX and was approved for the extension. It is now reporting on my report as late for the months of XXXX/2021-XXXX/2021 which is inaccurate. 

Also XXXX  XXXX is reporting as an open account but the account is actually paid in full and closed. I do not have access to this credit any longer. This account needs to be reported as closed and paid or deleted off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy. 
15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

Coinbase stated that its a secure platform howerver Coinbase should take the responsibility as well - These transactions into Coinbase company were part of a cryptocurrency scam, even though it was placed in a good faith and hard to believe it was a fraudulent purchase. 
- After several days investigation, there are plenty and verifiable evidence along with other victims indicating this is a cryptocurrency scam. 

- Coinbase has a big loophole that makes it easy for the scammers to do money laundering and allows scam site to launder funds to their platform. 

-Coinbase is not the safe platform. They only just want to get transaction fee from their customers. 
Such merchant was contributed to fraudulent practices and did not have any safety precautions in place to protect myself and others from this happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my credit reports, and I asked all three reporting agencies to remove the following inquiries that came in result of the fraud but up to now they have not, Here are the inquiries XXXX XXXX on XXXX, XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX on XXXX, XXXX on XX/XX/23, XXXX on XX/XX/23, XXXX XXXX on XX/XX/23, XXXX XXXX XX/XX/23, XXXX on XX/XX/23, XXXX  on XX/XX/23, XXXX on XXXX XXXX, Experian and XXXX continues to report this false information and I will have to invoice each one of the reporting agencies if they remove this false information ASAP. This my fourth attempt to protect my credit.
Product: Debt collection

MEADE & ASSOCIATES XXXX I have a a unverified account from Meade & Assoc. I had previously disputed this account. I have never done business with MEADE & ASSOCIATES Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C.169g, I dispute the validity of the debt MEADE & ASSOCIATES and I believe it is a HIPPA Act violation. I request that MEADE & ASSOCIATES Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks XXXX. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MEADE & ASSOCIATES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number
Product: Credit card or prepaid card

After receiving a Stimulus check and my most recent Social Security Direct Deposit to my Direct Express card ceased to work with at least {$800.00} dollars still on it at the last time I checked my balance. The following when I rechecked my balance by phone which is the only way I have ever checked it, the process had changed by now asking for either my ss # or the entire debit card number. I responded in consecutive tries both ways. immediately on completion my call was cut off. I have been trying to reach them for more than a week, each time either being put on hold for as much as 2 hours only to be disconnected or immediately cut off. I have reported it to the Fbi, my local police dept. and the local XXXX TV station. In digging around the Internet ot try to find out how to reach Direct Express, I have only found 2 phone numbers and both react the same when I try to get information they disconnect after I enter the prompted requested information. 
In my looking for help on the internet I came across the XXXX XXXX XXXX XXXX XXXX of Utah, which lists 90 complaints nearly exactly or very similar to mine, that have been registered since late XX/XX/2019.
Product: Mortgage

Green Tree improperly raised the interest rate on my mortgage. The terms of my mortgage contract state that the index is the weekly average yield on the United States Treasury Securities, adjusted to a constant maturity of one year, as made available by the Federal Reserve Board. It also states the most recent index figure available as of the date 45 days before each change date, is the index that will be used to determine the change. The new interest rate will be calculated by adding 2.75 % to the current index and then rounded to the nearest one eight of one percent ( 0.125 % ). The rate will never increase or decrease on any single change date by more than two percent. 
( Prior to the reset my interest rate was XXXX. They added 2 % to the 2.875 % and it is now 4.875 %. They did not adjust according to the contract and use the proper index ). 
Forty five days before XXXX XXXX, 2015 is XXXX XXXX, 2015. On XXXX XXXX, 2015 the index was XXXX adding the margin of 2.75 % my new interest rate should have adjusted to 2.97 % with a new payment of {$900.00}. Not {$1000.00} In addition my escrow account shows that a payment for my hazard insurance will be made on XXXX XXXX, 2015. I have never had an escrow account for insurance or taxes, I pay them myself. 
On XXXX XXXX, 2015 I called and inquired about this. I was transferred to 4 different representatives, each time having to give my account number and social again. no one was interested in helping me answer my question. They were rude and wanted to know when this months payment would be made. The final person I talked to told me to send a fax to customer service general correspondence, stating I was disputing the change in the rate, which I did on XXXX XXXX, 2015. I also have written a QWR ( RESPA ) letter which will be mailed certified tomorrow XXXX/XXXX/2015.
Product: Credit card or prepaid card

XX/XX/XXXX I purchased a bedroom set from XXXX furniture amount XXXX with a care package for XXXX total XXXX with the wellsfargo XXXX XXXX credit card in-store XXXX queens ny location XXXX Due to covid I did not receive any furniture until mid XXXX and about mid XXXX of XXXX after being notified in XXXX that the last two items from the bedroom set I purchased was being delivered. I Decided to purchase a mattress online from XXXX furniture XXXX website XX/XX/XXXX of XXXX with the wellsfargo XXXX XXXX credit card amount XXXX. Received a mattress XX/XX/XXXX. Next day XX/XX/XXXX new transaction made on my account for XXXX with a special terms offer for XXXX I immediately dispute the transaction due to covid now in XXXX of XXXX wellsfargo says that's the mattress I ordered? I immediately ask what happened to my XXXX now there's another investigation. Now it's XX/XX/XXXX I get a letter stating the XXXX is for items that was delivered. So it's seems that XXXX furniture resold me. A item from the bedroom set I purchased in XXXX and made a new purchase for a mattress on my XXXX amount XXXX with the special terms XXXX balance that's now on my credit report. The XXXX already did damage to my credit I refused to pay for a transaction I did not authorize wellsfargo do not seem to want to investigate this matter .the last transaction I made was for XXXX I gave no one authorization to access my account a purchase made to there XXXX XXXX on XX/XX/XXXX for a total of XXXX dollars
Product: Credit reporting or other personal consumer reports

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

Account name : # XXXX has violated my rights. 

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 item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The judgement entered by the court was {$4600.00}. They have already garnished {$5100.00}.

They continue filling new adjustments to the garnishment order with the incorrect amounts owed. They have alternated collecting on 2 separate judgements to increase interest owed and cause confusion. They have " misplaced '' money that was garnished from my wages and have no intention of correction. They refuse to provide any information on why the judgement has not been satisfied.
Product: Vehicle loan or lease

I am writing about a situation that occurred when two leased cars from XXXX XXXX in XXXX XXXX Florida XX/XX/XXXX. The leasing company is Volvo Financial XXXX XXXX XXXX XXXX, AL XXXX. This was in the middle of the pandemic and things were locked down and the dealer agreed to deliver two new XXXX cars to me and at the same time pickup the two XXXX models that were due to be returned on the lease. My XXXX cars were paid monthly via autopay draft from my bank account. After getting the XXXX cars I later found out that one payment in the amount of {$340.00} was auto drafted from my bank account by Volvo Financial in error. I contacted them soon after and they advised me that the ( one car ) was returned on XX/XX/XXXX according to their paperwork and not XXXX which is when the dealer XXXX XXXX in XXXX XXXX FL picked up the car. I did email the dealer/salesman at the dealership and never heard back. As my current leases became due I was called by Volvo to see if I would continue to do business with them. I advised them of this issue. They told me ( XXXX ) on XX/XX/XXXX at XXXX EST that they would do nothing about this. I asked them why could they not confirm this with the dealer and they acted as if there was no relationship there between the two parties. I advised the dealer and the GM doesnt want to address this issue.
Product: Credit card

Open an account with athome, they gave me a credit limit in the XXXX ; they changed the credit amount and didnt notify me and charged me an over limit amount, they have contacted me stating my payment was late on my payment, my payments are being delayed and causing issues with my bank, they have charged me late fees as well, they are taking 12 days to process my payments and I am getting hit with late fees, they have closed my account due to 2 lates payment which wasnt my fault, I check my account constantly to see what is owed, and both times the account reflected that no payment was due then I goe hit with late payments, once I was notified I paid right away, when I first got the account, I was unable to view my credit card statements, and since they have closed my account which I am paying, I am constantly getting the called to pay the late fees, I have spoke with them concerning the late payment matter, I which I had made several payments after the due date for the next month and I am still being charged for that late fee. They stated that that payment doesnt go to the next month.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history with 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 XX/XX/year> Days late 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 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

I received an email today from a company I have never had any contact with and they claim I owe money to Chase Bank. I have not now or in the past had an account with Chase bank in any state since before XXXX of XXXX  and do not currently have an account. I left in a friendly manner before XXXX  and owed nothing to them, no loans, no credit cards or any other outstanding account to create an outstanding bill. I left Chase because of their incompetence but owed them nothing. There are over 26 thousand XXXX XXXX in this country. 

Their means of contact do not work, phone disconnected, email returned and no information to contact them. 
The company ( if real ) is " XXXX '' XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX. 

This attempt to collect a debt not owed through force and fear, a crime. Further, it is in violation of 15 USC 41 ; sec 1681, et. seq. 

Simply put, this is a dishonest company trying to extort money.