23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My account was bought or transferred from XXXX  to RAS LaVrar Law Offices in XXXX  after a telephone Consented Judgement was agreed upon and in motion between myself and XXXX. On XX/XX/, I spoke to the assigned attorney XXXX XXXX at RAS LAVAR, who was almost impossible to reach. I advised him that there were added charges and fees that they included to my signed judgement with XXXX. I was not responsible for the cost of any additional fees between RasLaVrar and XXXX. The Judgement was very clear and detailed about my arrangement. XXXX XXXX reviewed the Judgement, in which I re-sent him a copy and said that he didnt know where the added charges came from. He advised he would correct and get back to me. He never responded. I am a new business owner and attempting to get loans. As a result of this situation in which I attempted to resolve with the original attorneys office XXXX, I was in full compliance and making regular payments according to the judgment set forth. I attempted over months several times to call the new Attorneys office XXXX XXXX and their phone was disconnected. Until finally I got a live person on the phone that connected me to speak to XXXX XXXX and I followed up with an email. ( please see email and attachments ). 

I am a new business owner and I have been getting denied business loans because of this incorrect information is on my credit. A judgement was NEVER supposed to be on my credit reports as long as I complied with the payment arrangement. I complied with the payment arrangement with XXXX. RasLaVar bought the loan and dismissed arrangments of the judgement that was in place and made themselves unavailable for resolution for me to comply. 

A correction of the fees. There was a signed judgement order already in place. This creditor bought the debt and tried to add additional fees and charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account from XXXX XXXX that was removed from my Transunion and XXXX credit file on XX/XX/XXXX due to identity theft. It was re-inserted back on my credit report as a collection which is a violation to the Fair Credit Reporting Act as of XX/XX/18. I am filing a complaint that this account has been reinserted on my credit report. I demand that this be removed permanently.
Product: Vehicle loan or lease

My first car payment was XXXX I sent {$300.00}. I called them 3 to have them. Put the extra amount towards my principle and they put it towards the finance charge. Or interest. I got a new statement in the mail. They're telling me. I own {$410.00}. 
In the loan status Section. 
But down by the part where you mail the check. They're saying amount. Do XXXX Seems like after I called the first time to complain about where my extra money went. They started messing up my statements on purpose. Bank of america watch out.. And when I call this last time I know I only made 2 payments. She's telling me I made three that everything is fine now.
Product: Credit reporting or other personal consumer reports

This account is being reported as a charge off but has an open balance which is against the Fcra guidelines. This account was already reported as a loss no 1099 was provided the last actiivity dates are not the same which is also a violation of the fcra guideline Experian is reporting this account as a charge off monthly which is against the fcra guidelines XXXX is reporting paid as agreed but also reports as a charge off
Product: Money transfer, virtual currency, or money service

My service with my bank makes me feel unimaginably scare to stay with company that is supplying my checks because they seem to not want me to be calm about me cashing or receiving my benefits of having XXXX bucks a week. The last time I cashed a check or even herd from my payee I want an added by a teller more than once and consent tell until I left the bank tryna make it back home. I am a XXXX XXXX XXXX  involved with a XXXX and can't be stable with out XXXX XXXX XXXX  being my payee. I pay I get some help and get the bank investigated or even my life back safe. Thanks
Product: Credit card

I have tried to request credit with Multiple companies that are managed through the creditor is Citibank , N.A . 


Citibank Macys XXXX XXXX XXXX XXXX and they always Deny me. I have credit score over XXXX XXXX Score and I pay all my obligations. I have never filed Bankruptcy and have Been XXXX XXXX  for over 25 Plus year with Our XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 
I have requested why they can't explain to me why they deny me and they never give a reason. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

1 : XXXX XXXX XXXX - Open on XX/XX/XXXX, this company improperly accessed and used my credit report in connection with a disputed amount of {$2100.00}. I did not authorize this, and it has negatively impacted my credit. I contacted the company, but they have not resolved the issue. 

2 : XXXXXXXX XXXX XXXX XXXX- Open on XXXX XXXX this company also improperly reported or used my credit information in connection with a dispute amount of {$120.00}. Despite my attempts to resolve this with them, the issue remains unresolved. 

3 : XXXX XXXX XXXX Open on XXXX XXXX this company somehow accessed my credit information in connection. I did not authorize a {$250.00} charge on a credit. This charge has negative impacted my credit. They are also another company I couldnt resolve the issue with. 

4 : XXXX XXXX XXXX * Date Opened : XX/XX/XXXX *Balance : {$480.00} Issue : This company reported a collection account that I do not recognize or authorize. I have attempted to dispute this, but it remains unresolved. 

5 : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Issue : This account was reported as a collection, but I do not believe it is accurate. I have reached out to the company for clarification, but they have not provided proof of validation. 

6 : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9300.00} ( Written off, Paid, and Closed ) Issue : This account was written off and closed, but I want to ensure that it is properly reported and does not continue to negatively affect my credit score.
Product: Payday loan

I checked my credit report and realized there 's a loan on there reporting derogatory that I did n't apply for or have any knowledge of. I 've reached out to seek validation with my original signature on it to prove it did n't belong to me, but have not heard anything back.
Product: Credit card

Synchrony bank closed my account without notice and without a legitimate reason and forced a forfeiture on the rewards I accumulated over the years. I had a 100 % payment history and acted in good faith.
Product: Debt collection

My employer received a fax from XXXX XXXX  that requested they garnish my wages with notify me or filling through the court to the best of my knowledge this was not done because I have not been served any paperwork by this company. This company is not one I have ever heard up, paper work they sent to my employer it was for a company Solid Oak Finance which I had done business with but not sure if this is a valid debt. I have not been contacted to my knowledge by Solid Oaks about anything owed. If I own the debt I would like to make restitution but I would like the opportunity to accomplish this before a garnishment is attempted. The amount stated as being owed in {$850.00}. I found your information from an article detailing the this company is not a licensed debt collector and in some states and suggested that if I was concerned to notify your agency. This information was noted at http : //dfi.wa.gov/
Product: Credit reporting, credit repair services, or other personal consumer reports

was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX  CARD. The dates were XXXX, XXXX XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN and I believe I can use some help with the removal of the late payments I am currently full current yet the late marks are killing my credit score I coulduse some accommodation to help protect my credit. The CARES Act calls these agreementsaccommodations.
Product: Debt collection

Omni Financial did not abide by the Military Lending Act. I am a XXXX veteran and was on active duty making me take a military allotment from my pay check which is violation of the Military Lending Act. CFPB settled with Omni Financial on XX/XX/2020. Attached is the settlement that CFPB brought against them.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have worked hard to build my credit score, and it seems the following creditors becoming more and more difficult to deal with. For some unknown reason collection companies that I've never dealt with are showing up on my report. Companies I have never affiliated nor ever consent to any contact. The reporting agencies are all reporting different scores which is very confusing. The collection Agencie was reported on XX/XX/year> for Caine & Weiner Company Inc in the amount of {$180.00}. Never use this company. 

Please help assist me with resolving this issue. 

Thanks
Product: Credit card or prepaid card

I have had American Express Delta Sky Miles for a while. I have the full balance once. I pay within in the 30 days and never have has anything reported. During this pandemic, I have paid XXXX and XXXX. I thought that the only payment I had left was XXXX. I call on XX/XX/XXXX to ask about a deferral due to reduction of income during COVID19. I was told on XX/XX/XXXX that evening, By the way, the representative I was talking to said they would transfer me to the hardship department and they disconnected me. So I had to call about and wait another 50 something minutes. I wrote down what they said they could offer me. My notes said they would freeze my account until XX/XX/XXXX. After that, I received a letter stating that my credit card was cancelled. My payments are due on the XXXX. I have proof to show I made a payment. Then I received a letter stating that if I had the account deleted from reports, they would no longer report it late. I assumed that they realized that they had went back on their word.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax sent me a letter thanking me for reaching out to them to file a fraud alert, but I never ever asked them to put that alert on there, in fact, I spoke to them many times about incorrect information on my accounts but never about filing a fraud alert.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX ( XXXX ) XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Re : Debt Validation Request for Account XXXX, Dear Portfolio Recovery Associates, I am writing to request validation of the debt referenced above, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I received your communication regarding this debt on XX/XX/year>, and wish to exercise my right to request further validation before proceeding with any discussions or payments. Please provide the following information : 1. Proof that I am legally obligated to pay this debt, including a copy of the original signed agreement or contract.

2. Itemized breakdown of the debt amount, including any fees, interest, or other charges.

3. Proof of ownership showing that your agency has the legal authority to collect this debt on behalf of the original creditor.

4. Details of the original creditor, including their name and contact information. 
5. Verification of the statute of limitations, clarifying whether the debt is within the legal timeframe for collection. Please note that, according to the FDCPA, all collection activity must cease until the debt has been properly validated. I expect your response within 30 days of receipt of this letter. Failure to validate the debt may result in me reporting this incident to the Consumer Financial Protection Bureau ( CFPB ) and considering any further legal actions to protect my rights. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2015, I disputed this debt through XXXX Credit Bureau. See Attached Since it was verified I requested what documentation was used to verify such debt. And requested through debt collector what contract does it have assigned to them. This fraudulent attempt to collect a debt should be removed immediately.
Product: Prepaid card

I called over 3 times for them to fix this glaring issue which they should've been able to fix over the computer. If they can see the issues. The issue was that I couldn't use my card since XX/XX/year>. One person said that I should take out XXXX dollars and it would fix the problem. I did that. Did not fix the problem. The second person, says that my account was restricted. And within the next hour, I should be able to use my card. I asked that I should be able to use the card. They said yeah, no problem. Okay, within an hour I can not use my card whatsoever. Called the third time, and a male picked up and said to me on the phone that there was no restriction. No nothing. 

There was nothing with my phone. Despite what I was saying. I had to constantly keep saying it until I was yelling and cursing at him. He finally said, he would check once more. Once again saying there was nothing there. I even asked for the supervisor, they said I had restrictions and they could not remove it. ONLY internationals can remove it. And change around said there was no restriction despite saying it was. And couldn't transfer me over to anybody else. That was the last XXXX. Everyone I talked to so far is XXXX who can barely speak XXXX and somewhat understand it. 

Calling the international number, they also can not help either as they can not do it.This is Serve Amex Card.
Product: Mortgage

I am disputing the late fees charge of XXXX}, which should have been removed when the XXXX XXXX grant was applied to your loan balance on XXXX/XXXX/XXXX. Please Review and Correct the problem. 
Investors Bank loan XXXX Thanks XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I sent a direct dispute to LexisNexis Consumer Service Center via certified mail with electronic return receipt. It was received on XX/XX/2018. I received a letter from XXXX stating the dispute had been verified. As of XX/XX/2018, I still had not received a response from LexisNexis and my credit reports had not been updated to reflect the dispute. So I sent another letter certified mail with electronic return receipt, which was received by LexisNexis on XX/XX/2018. The response I received from LexisNexis was dated XX/XX/2018 and postmarked XX/XX/2018. The letter states, " You recently requested LexisNexis initiate on your behalf a dispute with XXXX ... ''. My direct dispute to LexisNexis was clear. LexisNexis has both a legal and ethical responsibility to validate my dispute. I find theresponse and actions taken by LexisNexis to be both illegal, unprofessional, and dishonorable.They have severely and illegally impacted my rights as a consumer who lodged a formal directdispute with their agency. I have attached evidence to support my complaint.
Product: Consumer Loan

I just spoke with your customer service who told me to refile this claim as it was determined you can assist me in my case. My fiance purchased a vehicle and this auto loan was financed through Santander Consumer USA in XXXX, TX at 21 % interest. In Massachusetts, it was confirmed by the Attorney General 's office that this is against state law and the usury department at the Attorney General 's office confirmed that the bank DID NOT register or seek approval in advance to write loans exceeding the state cap of 20 %. They are willing to put this in writing. We contacted Santander Consumer USA and they declined taking the vehicle back, voiding the loan and refunding what we have paid. According to state law, the loan is invalid and needs to be negated by a supreme court judge. The legal department had advised Santander Customer service to cease and desist collection practices as of XXXX/XXXX/16, but they could not tell us why. I have full authorization to speak on behalf of my fiance on the auto loan. We have been passed in circles from Attorney General 's office, Consumer Protection Agency, Usury Department of the Attorney General 's office, now to the Division of banks, which then passed us back to your office. Everyone is in agreement that this loan should be null and void, yet no one will assist us past that point. We have made numerous attempts to find an attorney on a contingency fee basis, but we have hit a dead end. We give them basic information, they claim they think they can help us then never return our calls. This bank just settled a lawsuit filed by the Massachusetts Attorney General for predatory lending practices ( charging higher than the state cap ) but since that case was settled, we are basically left scrambling to obtain assistance until they receive enough similar cases to proceed with a new case. We need to stop being referred in circles and actually obtain assistance. We were told by XXXX separate agencies that your bureau oversees Santander bank. The only documents we have are from the bank denying our request as mentioned above. The attorney general 's office is in the process of mailing the document stating they did not register with the AGO to write loans exceeding 20 %. Which is why our loan should be considered null and void.
Product: Debt collection

I have been going back and forth with the three credit bureaus about these energy companies in Texas opening fraudulent accounts in my name. I filed a report back on XX/XX/XXXX  for the same exact thing. I live in New Jersey and have no ties to Texas. This is fraudulent activity obviously. Please look into this this and flag any further collections. 

Original Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX  Balance : {$670.00} Collector : Online Information Services XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$1100.00} Collector : Online Information Services XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX  Balance : {$280.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX  Balance : {$320.00} Collector : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
Product: Debt collection

Jefferson Capital appeared on my credit report last year. I had no notice of information from them to dispute it. XX/XX/XXXX I noticed an inquiry from XXXX on my credit report ... XXXX is a collection arm of Jefferson Capital. XX/XX/XXXX I received a settlement offer from XXXX XXXX. Still, I could not dispute the debt with Jefferson Capital. This makes twice this debt has appeared on my credit report along with the original creditor. On XX/XX/XXXX I received yet another letter from XXXX XXXX about this same debt. I want Jefferson Capital to remove this debt from my credit report and contact me directly if at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I never authorized these accounts. These acounts hurting my credit score and I being victimized by the bureaus. I have included my change of address card along with my md state ID .This is the 3rd time I have had to identify mysef and your system eoscar continues to give me a generalized response stating it can not identify me.
Product: Debt collection

I had a balance of {$1600.00} owed to Pro Collect Collection Service. I made an agreement to pay the amount in 3 months, in which I did. The {$1600.00} was for a bill to the XXXX XXXX. 

I asked the collection agency if they was going to delete the collection from my credit reports, when I paid the balance in full and they assured me that they would.The balance was paid off in XX/XX/XXXX. 

The collection is showing a XXXX balance on the credit report, but it is still on my credit report. 

I called this morning, and they transferred me to a lady named Mrs XXXX, and she said that she didn't see it in the notes, and they were not going to delete it and hung up the phone on me.
Product: Credit reporting or other personal consumer reports

I filed 2 disputes with XXXX for my XXXX loans. I sent the letter of the US Department of Education showing the loans had been discharged. I called the company ED Financial that held the loan and they confirmed it was showing {$0.00} balance on all loans as of XX/XX/2023. The First dispute XXXX said that the company did not confirm a change. I got my letter for the department of education and sent that in the second dispute in XX/XX/2023. Again XXXX came back stating the ED financial did not give them any change of amounts. I got a letter from ED Financial XX/XX/2023 showing the accounting of all the accounts and all showing paid in full with {$0.00} balances. XXXX is the only credit reporting agency not removing the balance for me the others have corrected it.
Product: Payday loan, title loan, personal loan, or advance loan

ALL LEDGERS FOR EVERY PAYMENT MADE, THEY REFUSED TO PROVIDE FOR ME. 
I ASKED FOR THE FRAUDULENT ACCOUNT TO BE REMOVED PER THE CHARGE BACK NEVER RECEIVED BY MY BANK. LEGAL ADV THAT THIS AMOUNT WAS ADDED DUE TO MY BANK DISPUTES. THE FIRST WAS XXXXXXXX XXXX THE SECOND WAS XXXX SOMETHING. XXXX XXXX XXXX, XXXX IN THE CORPORATE OFFICE AND XXXX XXXX ALL ADVISED OF ISSUE NOW THEY HAVE CONSOLIDATED THE CHARGEBACK AS A LOAN. WHEN I TRIED TO CONTACT THIS MANAGER I WAS TOLD SHE NO LONGER WORKED THERE. THE XXXX  GUY IS CALLING MY CELL PHONE LYING ON TODAY AS IF HE DIDNT SEE THE CHARGEBACK LOAN, AS PREVIOUSLY ADVISED. I HOPE EVERY BAD THING FINDS ITS WAY TO EACH OF THESE INDIVIDUALS : )
Product: Money transfer, virtual currency, or money service

Hi there, My name is XXXX XXXX, I am a crypto invester on Coinbase.com since XXXX, my account registed email is XXXX, all of my ETH coins were sold out and transfered to an unknow XXXX account on XXXX XXXX, I submitted the report form on same day by Coinbase.com online service, this company doesn't give any service phone No. or email to contact, but I received response email which told me they would investigate the case, almost 4 months was passed, I got no resault yet, I have submitted the request many times, each time I received the same auomatic reply email. Following is one of the emails : Hello, Thanks for submitting your request to Coinbase Support. We're here to help and will be in touch as soon as possible. 



In the meantime, you can find answers to many of your questions by visiting our Help Center. 



Regards, Coinbase Support I doubt this company has some problem, I saw on XXXX many same cases happened to others too. Just before my EHT was stolen, I set up my account with the Two-step 2-step verification, it ws impossible to be sold by somebody else, otherwise I should receive a notice text message, and my account shows the half masked XXXX account infomation, Coinbase has the clue to get money back, but they did nothing in months.