23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Good Afternoon, My name is XXXX XXXX I am writing this email to report harassment from credit card dept collectors. I have credit cards from Capital one and XXXX XXXX. Unfortunately due to the time we are in with with Pandemic, i have been falling behind on my payments. I still manage to make my payments even tho i make them late. I am currently unemployed. I was laid off from my XXXX position over 8 months ago. I have been receiving tremendous amount of calls day and night from insane amount of different numbers. It is so overwhelming the amount of calls i get in one day, most times up to 5 calls within 10 minutes non stop. I have to leave my phone off though out the day because this is causing me XXXX. I believe i have enough XXXX from dealing with my sickly mother, no work and figuring out which bill i get to pay first with the little we get from unemployment. I can NOT pick a credit card payment over food or electricity bills.These companies are doing this to other people i know as well. I understand it its their job, but there is a limit. I will leave the different numbers below. As well as screen shots of all the calls i get. I hope there is something that i can do and/ or that you guys can do for me to help with these companies. people fall in more depression and anxiety with this pandemic, It is hard enough with these hard times for them to make it worse. I would appreciate it immensely if you would email me back at XXXX. Best regards and thank you. 

Phone Numbers : 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 + Unknown callers ( private numbers )
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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

On XXXX, XXXXXXXX XXXX I received a credit report alert of XXXX XXXX  reporting a XXXX XXXX. I immediately called because we've never paid late, ever. Their answer was that XXXX reported a natural disaster in our area in XXXX and I asked, what does that have to do with us. We pay our mortgage every month. She said you will have to write to us. I am sure by the way she spoke to me that they are commiting fraud and falsly reporting deferments to the federal government. I see this isn't the first time with all the online information about them, but they won't play with my credit that is excellent. Please help me. I would like an investigation to prove this and get legal action against them. Thank you.
Product: Mortgage

We have a mortgage with RP Funding Inc. We received an Annual Escrow Account Disclosure Statement on XXXX stating that we had a surplus in our escrow account in the amount of {$890.00}. The statement said if the check wasn't enclosed with the statement then they would send a check out within 30 days of the date on the statement. 

On XX/XX/XXXX I contact RP Funding because I didn't receive the check yet. They told me it wasn't mailed until XX/XX/XXXX and that it could take 14 business days to receive it. We received the check on XX/XX/XXXX and deposited it via the ATM at our bank on XX/XX/XXXX ( my husband tested positive with XXXX  XXXX so we could not leave the house until the XX/XX/XXXX to deposit the check ). 

Today we received a letter in the mail from our bank that RP Funding stopped payment on the check we deposited on XX/XX/XXXX. Today we also received a letter from RP Funding stating they stopped payment on the check and that they would reissue a check within the next 15 days. This is not right. We were charged by our bank for the check being returned and we need the money now. It's our money. We tried to get them to overnight a check and they would not. We asked for a copy of the check they sent out supposedly on XX/XX/XXXX but they said they didn't have a copy .... 

We want our money not lies. They lied to us several times already. They almost made us bounce items because they stopped payment on the check for NO REASON. 

Please help us we need the money now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Loan # XXXX CD # XXXX XX/XX/year> late payment {$35.00} I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit profile to any creditors who have requested a copy of my credit report in the last 6 months.

I'm also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be completed within 30 days of receipt of this letter, or you must remove the incorrect information. 

Please send an updated copy of my credit report to the above address. 

Thank you for your prompt attention, time and help in this matter.
Product: Debt collection

called office dispute the bill, I asked for a manager they refuse to transfer me to a manager, spoke with a rude collection rep, who told me the account was n't in dispute and that I need to pay the bill or they would go ahead and sue me and if I did n't pay the bill that I could get arrested. I hung up the phone. In XXXX XXXX
Product: Checking or savings account

I have a Bank of America checking, savings and CD account and my CD was for 48-months. I received the letter in XX/XX/2018 to contact Bank of America regarding CD. I visited one of the branch in XXXX, CA on XX/XX/18 and was informed that I have to call or visit the branch on XX/XX/2018 to either withdraw the cash or continue for another some time. I was also told that Id be informed on XX/XX/XXXX how much the interest rate will be there. 
Today, on XX/XX/XXXX I called Bank of America, waited for 45-minutes over the phone and later talked to an extremely impatient woman XXXX who refused to help me. I hate the way Bank of America treat its customers. I really seek help to get all of my cash from my checking, savings and CD accounts and close Bank of America for good. Its the worst bank in the United States.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file 609 disputes with each of the three bureaus asking for debt verification on all collections in the form of writing and certified Mail asking for information on any collections along with two different documents providing my identification I have not received any information all I have received was a email saying the unverified debt was correct information I dont understand how they can investigate without me seeing any information when the law clearly states to report off information in writing if not remove the collections they are not verified
Product: Credit card

My credit card bill is due every month. Some payments I make on the due date on the XXXX of every month. I can barely afford my bills and all the crazy interest rates we have now. On several occasions when iv had to pay my bill on the exact due date they don't put my payment in till the next day causing me to incure a late fee. It's purposely done as retribution for the confrontations iv had with several of the bank employees over these same type of issues. Iv had to close my checking and my business account becuase of the predatory fees they were slamming me every month. Some of wich they had to refund me in the form of a check per the government. Wells Fargo is a known predatory bank. They are all over the media for some of the slimiest banking tacticts in banking history. They are taking advantage of the poor in one the worst economies in history.

The bank I'm referring to is the : Wells Fargo Bank of the United States XXXX XXXX XXXX XXXX. 
XXXX XXXX, Florida XXXX
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX, yet XXXX XXXX is not removing this fraudulent account. XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet XXXX XXXX  has refused to do this. The following is the fraudulent account : XXXX / XXXX / XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

tried to apply for a home loan.i was aware that it was several infractions on it.
Product: Credit card

I had my phone stolen on the morning of XX/XX/XXXX. I had my XXXX XXXX XXXX  account hacked and there were several purchases made on my discover credit card that was linked to my XXXXXXXX XXXX. I called discover after I purchased a new XXXX in the afternoon that day. I explained the issue and told them that I had 3 unrecognized charges. Discount zone in XXXX Louisiana for XXXX, XXXX XXXX for XXXX, and XXXX XXXX for XXXX. And I needed to freeze my account because I didn't make the purchase 's. I was initially refunded the money for the products on XX/XX/XXXX per my statement. I Then on XX/XX/XXXX l was called by a very rude lady from discover fraud department and informed that the charges were considered authorized and the decision was reversed and I had 30 days to contest the decision. Between that time and now I have called them multiple times asking for any additional information they needed which has included my first fax on XX/XX/XXXX at XXXX on the morning that included my XXXX card receipt and the XXXX XXXX receipt from the purchase of my new XXXX purchased on XX/XX/XXXX. Then after multiple fax delays and they received it and sent me a letter on XX/XX/XXXX telling me the case was resolved and my account would be marked as disputed to the credit reporting agencies. I called them back to ask what questions they had and they told me to send another fax proving my relationship with the account owner of my shared cricket wireless phone plan.i also provided them with the police report number and the number of the detective who was working the case.after providing them with multiple faxes of everything the needed on XXXX and I received another letter on XX/XX/XXXX saying that the same thing as the previous letters. I called them back on Monday XX/XX/XXXX asking what other information they need and they stated that they would need a resolution or documentation from the detective stating a resolution. I then called the detective who said it was an ongoing case and she couldnt provide them with any information. In the meantime I am getting charged for multiple interest charges XXXX on XX/XX/XXXX, XX/XX/XXXX on XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX, XXXX based on those purchases that were unauthorized on XX/XX/XXXX. I spoke to many people in the last several months in discover fraud department from XXXX, XXXX, XXXX, XXXX, and XXXX XXXX and XXXX who can not give me a straight answer on anything. Discover advertises with the discover it credit card a XXXX dollar fraud liability claim that states the cardholder is never responsible for unauthorized purchases made on the card. This is not being done in this case.
Product: Credit reporting or other personal consumer reports

Experian is reporting incorrect information on my credit report.
Product: Credit reporting or other personal consumer reports

Previous address indicated on my credit report is not mine.
Product: Checking or savings account

On XX/XX/24, I tried to secure a storage unit at XXXX XXXX XXXX ( XXXX ). When I tried to process the payment on that day, I got an error message from XXXX that the payment failed, but got a notification immediately afterwards that the payment processed through my bank, Chime. The funds were immediately deducted from my account. I called XXXX, they had no record of any payment on their end. I proceeded to call Chime, and was told because it was pending, I had to wait for it expire, which could take 7 days. On XX/XX/24, I had to go back to XXXX and pay again to secure the unit. This time it went through and processed. On, XX/XX/24 I checked my account and it shows that the payment did not expire and was paid out. However, when calling the merchant they have no record of that payment. Only the one I made on XX/XX/24, which still shows pending in my account. I entered a dispute with Chime, but now will have to wait 90 days for them to investigate. There is no one within Chime I can speak to to help expedite the claim. This situation put me in a financial situation that has been severly impactful.
Product: Credit reporting, credit repair services, or other personal consumer reports

***** Here was the response from XXXX : We have reviewed your concerns about the negative information on your credit report regarding this loan. Our records show that on XX/XX/XXXX, we submitted an update to the credit bureaus to which we report ( XXXX, XXXX  and Experian ) to remove the negative information for the XX/XX/XXXX reporting. We have pulled information from the credit bureaus and confirmed the update did occur and the reporting is accurate for both parties on the loan. Please be advised that if the credit report is not from XXXX, XXXX  or Experian, the credit update would not have occurred as we do not report to third party credit agencies.

***** XXXX XXXX  # XXXX**** shows every month being " OK '' and never delinquent. It subsequently shows that the loan was satisfied in XX/XX/XXXX. When you move toXX/XX/XXXX, however, it shows a 30 past due balance that is delinquent. There were 2 loans closed on XX/XX/XXXX, and my HUD contract shows this. However, the loan in question shows delinquent in XX/XX/XXXX. Please remove the negative information from my credit report and that of my wife.

*****
Product: Vehicle loan or lease

On XX/XX/2023 I signed two cancellations coverage for 2 policies I was sold in buying my car. The dealership signed the cancellations and the Finance Manager stated it would take a couple of statements for me to see the credit on Toyota Financial Services. 

I contacted Toyota Financial Service today XX/XX/2023 and they had received no paperwork from any gap carrier or dealership XXXX XXXX. 

I contacted each gap carrier and was told by XXXX at XXXX XXXX XXXX XXXX that XXXX XXXX from XXXX XXXX in XXXX had called them and told them not to cancel. 

I drove to XXXX XXXX today and met XXXX XXXX who stated the finance manager had put a hold on my cancellation due to a possible claim. XXXX XXXX intentionally blamed the finance manager, I felt XXXX XXXX was not truthful - the Finance Manager did his job but the one who writes the check XXXX XXXX or sends the claim is withholding the information. 
I feel XXXX XXXX acted to defraud me and my right to cancel these policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the unauthorized inquiries and personal information that are found on my report. But still those inaccurate items are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased 4 items from a retailer online using my PayPal credit account and they sent me 4 completely different items than I ordered. I reached out to the company and they never responded. I contacted PayPal to dispute the transaction. They claimed to investigate and informed that they would be supporting the company who defrauded me. As a credit account, it's disappointing that they do not protect consumers. I have requested that they close my account but still believe they should reimburse me for the {$120.00} that was stolen from me by the fraudulent company.
Product: Mortgage

We have been trying to get all of our original documents divorce decrees tax returns and various other paperwork back from XXXX XXXX at Security National Mortgage in XXXX XXXX XXXX number XXXX XXXX and XXXX XXXX state license Colorado XXXX XXXX for several months now. After several failed attempts to connect with her and broken promises that she would return the documents via mail she is now requesting signatures for transaction that was finalized back in XXXX. We are concerned about the nature of documents she would still need signatures on this many months out I 'm concerned about her unwillingness or inability to return our original documents that were trusted with her.
Product: Student loan

Information sent to Mohela with no response You haven't answered the questions that were asked. You have breached your contract with the Department of Education. 

Title 15 Chapter 41 Issues 1 ) ~~1692g. Validation of debts You were asked to validate all debts and failed. You provided a note about a consolidation but you are required to validate those debts before attempting consolidation which was predatory as you could ONLY be approved for PSLF with a consolidation. 


2 ) ~~1692e. False or misleading representations You listed an incorrect payment schedule based on a hypothetical tier system that does not exist The tier system is not in any legal context you made that number up. 

3 ) ~~1681i. Procedure in case of disputed accuracy You did not fix incorrect information submitted to CRAs 41 U.S. Code ~~ 6503 issues Still incorrect on All CRAs 1 ) You breached the contract with DOE and didn't report to DOE or the contracting official as required FOIA request show XXXX didn't report information adequately and you used this inaccurate information in your reporting 2 ) You breached the contract with me concerning fair practice, communication, validation of debt, PSLF , negligence gross and and standard by providing false information that is part of a contractual agreement Fair Debt Collection Practices Act You attempted to collect debts either forgiven/ with incorrect values/ false number at multiple points in time.

1 ) XXXX  XXXX  2 ) XXXX  A and B This does not include state and local jurisdictional issues. I suggest you meet with the DOE and get your act together promptly As of XX/XX/ you still have Inaccurate information on your website/ written mail/ PSLF calculations/ and reported inaccurate information to CRAs this amount to negligence and is now gross after months of you doing nothing.
Product: Debt collection

This debt is a MEDICAL DEBT COLLECTION.  This should be removed from my credit report immediately.XXXX XXXX XXXX - XX/XX/2017 - age: 5 months.
Product: Mortgage

I tried switching to biweekly mortgage payments in XXXX and XXXX of this year. The correspondence that Citizens Bank of XXXX XXXX, VA sent me during this process was unclear and not forthcoming. This resulted in me missing a payment and being assessed a late fee of {$56.00}. Once that issue was resolved, the biweekly auto draft started coming out of my account. Fast forward to end of XXXX early XXXX and my auto draft biweekly payments stopped. I called citizens customer service and spoke to several individuals and they have no idea as to why this occurred. I am deeply troubled and concerned with the way this Bank operates. I think they have dishonest business practices and are intentionally making it hard for me.
Product: Credit card or prepaid card

I have been charged an " credit life insurance fee '' of various amounts. The website does not even allow me to look at statements further than XX/XX/2018. It says access blocked which is absurd since it is my account. 

Starting from XXXX XXXX, I was charged {$26.00} XXXX XXXX - {$39.00} XXXX XXXX - {$33.00} XXXX XXXX - {$34.00} XXXX XXXX. - {$34.00} XXXX. XXXX - {$33.00}
Product: Debt collection

The account BK OF AMER is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Vehicle loan or lease

I have made several calls to American Credit Acceptance to assist in updating my XXXX with accurate information. My credit report has not been updated since XX/XX/XXXX. The balance current reflect on the XXXX as XXXX on all three bureaus. However that is incorrect. As if XX/XX/XXXX my balance is {$3700.00}. The auto loan company does not report accurately each month as required to do so on FCRA. I have called and sent letters and they have not updated at all. Additionally, they also reflected me over 30 days in an instance and was advised that would be corrected. I escalated to executive office due to an error on their part and they agreed. However, they reported me negatively anyway. Please aide in ensuring they are reporting to all bureaus with updated accurate information. I will attach an XXXX XXXX as proof they have not for view. This is happening all XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

currently looking to purchase a home and when i have had my credit pulled by the bank it shows some inconsistencies which i mailed Experian back on XX/XX/23 i have given them more then enough time but yet I still seem to be ignored.