23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX, I was sued in XXXX County, XXXX Superior Court by XXXX via XXXX. I received a judgement and the collection agency that contacted me to collect on XXXX loans was Gurstel Chargo through Attorney XXXX XXXX XXXX, whose phone number is : XXXX and email address is : XXXXXXXXXXXX. Gurstel Chargo 's local address is : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. A payment schedule was agreed upon and I began making payments XX/XX/XXXX. Gurstel Chargo has XXXX file numbers for these loans : XXXX and XXXX. They have a Processing Center at : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX, Fax, ( XXXX ). My complaint is the consistent failure or refusal by XXXX XXXX or the Processing Center to send me periodic payment statements indicating payment history and the amount of interest I have paid on these loans as this information is necessary for tax purposes. I had a conversation XX/XX/XXXX with XXXX XXXX that he agreed verbally to send me a statement every two months. I recently, again requested XXXX XXXX send me a 2016 year-end statement indicating student loan interest paid by leaving a phone message on his voice mail XX/XX/XXXX. He has done nothing since XX/XX/XXXX. I have called the Processing Center on two occasions XX/XX/XXXX requesting a payment history statement and they informed me both times that they do not send out these statements. I have no idea if my payments are being properly recorded or how much I still owe. Also, I have no idea my that payments are being applied to my XXXX loans from XXXX because this is XXXX that have a pool of loans. I never pursued the issue of ownership of XXXX owning my loans from XXXX before a judgement was rendered because of a lack of resources and I was assuming an executorship of a family member 's estate who was XXXX XX/XX/XXXX that made it difficult to get to court to defend myself. Could you please address these matters because I am tired of Gurstel Chargo 's arrogance in their dealings with me. Also, I have filed a complaint on XX/XX/XXXX with the Attorney General 's Office of XXXX. Nothing has been reported by them to date. Thanks, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all credit companies and creditors about these accounts that I have no knowledge about, Ive requested these to be removed many times because it is having a bad impact on my credit score and my credit report.
Product: Debt collection

I received notice from my local city court that I am being sued by the company for a debt that I have previously already notified the company was created under false pretenses from identity theft. The company also has also continued to report this derogatory information on my consumer credit report after I submitted notice to them from FTC on XX/XX/year> in writing that I was a victim of identity theft. I also have notified and flagged all 3 credit reporting agencies that I was a victim of identity theft.
Product: Debt collection

XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of {$890.00} and calling me after I have asked them repeatedly to stop to the point I had to block their phone number. This collection has been reported as past due. I do not know this company nor have I ever done any business with them. XXXX XXXX XXXX XXXX does not have a contract with my signature and I do not owe them a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX acct # XXXX {$7600.00} ; XXXX XXXX XXXX  XXXX acct # XXXX formerly XXXX XXXX acct # XXXX {$2100.00}, illegally pulled my credit report on XX/XX/XXXX, with my signature or the fact that I applied for a loan with their company ; XXXX XXXX acct XXXX XXXX sold to XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX {$3400.00} ; XXXX acct # XXXX {$170.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX {$1800.00} ; XXXX XXXX XXXXXXXX XXXX acct # XXXX {$3800.00} ; {$25000.00} ; {$13000.00} ; {$9500.00} ; {$4800.00} ; {$9100.00} ; {$2800.00} ; {$5000.00} ; {$240.00} ; {$5700.00} ; {$2700.00} ; {$25000.00} ; {$24000.00}. After submitting my complaint with CFPB, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX submitted they deleted these accounts. I have provided police reports, proof of identification, proof of address, and copies of credit reports showing that these accounts were deleted. Every 30 days they allow these companies to return under a different company, account number, with the same information.
Product: Debt collection

Creditor : National Credit Systems XXXX XXXX XXXX XXXX XXXX GA, XXXX PH : National Credit Systems is not the original creditor or owner of this debt. It shows that it was XXXX XXXX. This company and their corporate office was contacted and stated they have no records of any DEBT ever owed in my name. Account under the last name XXXX This account DEBT is not mine and was created through identity theft. I have been disputing this DEBT for years with the credit bureau 's and the creditor. The creditor has never responded to any of my certified letters that I have sent them. XXXX responds every time that the DEBT was verified but no proof provided so I can turn the info over to the FBI.I filed a complaint against this creditor with the Better Business Bureau in XXXX but they have not did anything. XXXX  continues to ignore my disputes and refuse to delete the fraudulent account. When the Idenity theft occurred I met with the FIB and reported this case and the credit bureau 's were notified at that time. However XXXX stated they ca n't find the Idenity Theft documents in their file. I want this DEBT removed immediately and National Credit Systems be held liable for damages. National Credit Systems redponded to the last complaint I filed with CFPB asking me complete a Affidavit Idenity Theft form. Attached to the for they stated I should not share the form with CFPB or any other company or agency.???? Im sure due to them know they would be subject to exposure of violation of the law or my consumer rights.
Product: Checking or savings account

I deposited a check of {$180000.00} into my chase checking account. This check was for proceeds for a real estate transaction. Chase placed a hold onto the check. I called chase 's hold team, who initially informed me that they needed verification from the issuing bank that the funds were valid and that the check would clear. The representative told me he called the issuing bank ( XXXX  ) and that they could not provide this information without the permission of the account holder and that I should contact the account holder to obtain such permission. 

I did so, and obtained proof in writing from the issuing bank that the funds had cleared and were fully unencumbered to Chase. I called back the Chase hold line, and was told by a representative that the hold would be enforced until 7 business days. I asked why she was providing me information contrary to the first representative I spoke with. Her reason provided was that the check may not have cleared or may be returned. I informed her that I had proof the check had cleared and that the funds were present in the account, and she said that Chase would not remove the hold regardless as they have a legal right to hold for seven days even with proof that the check has cleared and that the funds are unencumbered. I pointed out that Chase was profiting off interest from the large amount in this interim time and provided information as to my need for the funds before the end of the month. She stated that Chase has the right to make money in any way from their customers and that she was unable to help me. 

I asked to speak with a manager, XXXX, who refused to provide any additional identifying information such an an employee identifier. She stated the same explanation as the prior representative.
Product: Debt collection

Contacted First Associates on several occasions to settle amount. On XX/XX/XXXX reached an agreement with them to settle for {$1800.00}. Made arrangements to pay in 2 installments first one to be paid that same day for amount of {$930.00} which was paid and then the other half to be paid on XX/XX/XXXX. Called on XX/XX/XXXX to pay the other half and first person told me he couldnt find my account. After about 30 mins he said he found it but wanted to collect over XXXX  which was the balance according to him. I told him I had made settlement arrangements to pay only the {$1800.00} and he said that on his end there was never a settlement agreement reached and I told him I have an email which was sent to me on XX/XX/XXXX stating settlement was approved and he said it was never approved on their end and that he didnt know where I got the email from. He transferred me to a supervisor named XXXX and he wouldnt give me him last name and he also stated that I needed to pay over XXXX. I told him I had a letter that was sent over to me to sign about the settlement agreement and he stated that they never sent any letter or email to me approving the settlement amount and they had every right to collect the XXXX  balance. Stated the settlement was not approved and he didnt know where I got the letter from because it wasnt from them and since it wasnt in their system that I was going to have to pay all of it. I told him I had saved the email sent to me and he stated that email was not valid and I was still responsible for the amount owed. He said my 30 days to pay was up on XX/XX/XXXX and since that was on a Sunday and they were closed that any agreement would be nulled and voided since I was refusing to pay the balance on XX/XX/XXXX. He said since it wasnt in their system and he didnt know where it was sent from that in his eyes no settlement agreement was ever reached and approved even though the letter I had stated it was approved. I told him if it wasnt approved why didnt I get a letter stating that and he said they didnt have to send anything to me and that debt was still my responsibility.
Product: Money transfer, virtual currency, or money service

I made a transaction to transfer money using Wise payments Ltd on XXXX of XXXX for XXXX USD ( converted into XXXX XXXX  ). Wise promised to transfer this money on XXXX XXXX but since today even after tens of emails and phone calls they have not made this transfer. Their customer support keeps on lying and delaying this transfer and are not providing any real proof from their partner bank that the money is sent to my account. They are keeping these funds to themselves since 22 days now and on complain they just tell its going through regular checks with our partner bank. They havent given any timeline on when the issue will be resolved. This is a big amount of money and livelihood matters on this as this money was going to be used to pay rentals and pay for monthly living expenses and make business payments. Wise works with complete impunity and keeps their customers funds to themselves and only send money when Business wise it makes sense to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFBP THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX XXXX XXXX, WHICH FALLS UNDER TRAFFICKING ACCORDING TO XXXX FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX XXXX XXXX XXXX  AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX CAPITAL ONE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  account # XXXX & XXXX, XXXX account XXXX XXXX, XXXX account # XXXX, XXXX & XXXX XXXX XXXX account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The private XXXX loan on all three of my credit reports XXXX XXXX two of them, were taken out as indicated in XXXX. I graduated in XXXX. I filed bankruptcy in XXXX which was awarded in XXXX and they were included. They are private not federal so the discharge was granted. They were sent a copy of the discharge and initially removed this from my report. The co signer XXXX XXXX passed away in XXXX. Shortly after than it appeared, then disappeared, and has reappeared again. This was discharged in a bankruptcy in XXXX, it is a debt that is over 13 years old, and should not be on my report. This is NOT a federal XXXX  loan, it is a PRIVATE loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting an incorrect high balance on my credit report. I have sent multiple letters to them in regards to this. They have failed to respond which is a violation of my rights.
Product: Credit card or prepaid card

The company did not address showing this as consumer closed. They can keep their apologies. One loan I had for 7 years. They failed to send me disclosures and terms of agreement before they closed out the accounts. The company failed to give me proper notice of the closings until they actually closed the accounts. Per the attachment they did not notify me of the recourse until it happened.
Product: Debt collection

Im getting calls from Central Portfolio Control. They claim some how my number is associated with some other individual claiming im In debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on XX/XX/XXXX that XXXX XXXX XXXX was reporting account XXXX on my XXXX report. Also, I checked Experian and XXXX and noticed XXXX XXXX is reporting to these two bureaus as well. I NEVER received any noticed prior to them placing this debt on my report for XXXX XXXX so I could have disputed this debt, which is a violation of my FCRA rights. The collection agency has re-aged this account to a date of XX/XX/XXXX. However, according to the original creditors date of first delinquency this is INACCURATE. I'm requesting that all three credit bureaus delete this account  immediately. I have tried to have this rectified through disputing but XXXX and the CRA 's fraudulent verify this information is accurate. 

In addition, XXXX XXXX is reporting an INCORRECT balance that is different from the charge off amount of the Original Creditor. 
This have caused harm to my reputation and prevented me from obtaining a mortgage.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my US BK HM MTG - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.

2. Identity Theft N/A Account Number : XXXX  This is not mine.

3. Identity Theft N/A Account Number : XXXX  This is not mine.

4. Identity Theft XXXX Account Number : XXXX  This is not mine.

5. Identity Theft XXXX Account Number : XXXX  This is not mine.

6. Identity Theft JPMCB CARD Account Number : XXXX  This is not mine.
Product: Payday loan, title loan, personal loan, or advance loan

Affirm uses XXXX to link banks and they won't accept my bank but XXXX XXXX XXXXXXXX  forced the link without authorization from me. I reported this to XXXX and Affirm the first time I had a refund on an online purchase NOT GO TO THE LOAN but to this random bank account, without authorization. Clearly they use my bank to take payments, but they claim my bank isn't supported and force a link that the consumer refused to complete because they didn't want that account linked. I habe emails from XXXX proving they forced it because I didn't pick a brokerage account location. Then XXXX automatically completed the linking I didn't want. So I reported it and closed that bank account immediately. Then Affirm did it 2 more times, after being told and reported to fraud department, but the money couldn't go to the closed account so the representatives treated a CANCELLED LOAN like a refund and placed the funds under another loan on my account. It's illegal to force consumers to pay a loam for an item they never received. They admit they know it was canceled and that they made a mistake but insist NO ONE IN THE ENTIRE COMPANY CAN FIX IT and I habs to pay a loan, and its interest, when I never got the time and it was canceled. Then they took another refund and claimed the credited it to the same loan, but the loan amount is now higher than it was, before the {$450.00} refund. So they can't add, they are intentionally violating consumer laws, both state and federal, they are refusing ANY ESCALATIIN AT ALL and keep having regular reps answer escalation matters, with the same " oh so sorry but we can't fix it ... '' there is no way to contact a CEO office or consumer affairs department. This company is a massive violation of multiple laws and you CFPB are just sitting on your XXXX with little weird faces of XXXX... it's shameful. Oh and find reps hung up on me when I was wiating on hold for managers that dont exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a continuation of Complaint # XXXX which was closed prior to allowing the consumer to respond with additional information. 

The timeline : Select Portfolio Servicing, Inc. ( SPS ) XX/XX/2017 = Due to financial setbacks, we notified Select Portfolio Servicing , Inc. ( SPS ) we would be unable to cover payments by XXXX 2017 and initiated a Request for Mortgage Assistance with them. SPS recommended and *approved* us for a short sale based on our situation. Furthermore, SPS agreed *not* to report us to credit agencies as past due as long as we were in an active short sale process, which we were. 

XX/XX/2017 = SPS reported 30 days overdue to XXXX, XXXX, and XXXX XXXX ( we were still in the short sale process ) XX/XX/2017 = SPS reported 60 days overdue to XXXX, XXXX, and XXXX XXXX ( we were still in the short sale process ) XX/XX/2017 = SPS reported 90 days overdue to XXXX, XXXX, and XXXX XXXX ( we were still in the short sale process ) XX/XX/2017 = Short sale completed, SPS reported 120 days or no data to XXXX, XXXX, and XXXX XXXX ( we closed the short sale process and sold the property ) XX/XX/2017 = Account formally closed *We are not disputing any of the language on the short sale agreement. We're disputing that we did not receive the 120 days Marketing Period as spelled out on SPS 's own website. * We submitted our request for mortgage assistance/short sale to SPS in XXXX of 2017 in the attached Hardship Affidavit. In the meantime we lined up a buyer, and SPS dragged their feet to approve until XXXX of 2017, as noted in the Short Sale Agreement pdf attached. 

Since we gave them plenty of notice and were current with our payments, we were eligible for XXXX payments for a 120 day marketing period, as spelled out on the company 's own website here : https : //www.spservicing.comXXXX  ( Short Sale Overview - Select Portfolio Servicing ) A short sale enables you to sell your home for less than the total amount owed on the mortgage. If eligible, we would accept the short payoff in full satisfaction of the total amount due on the mortgage loan. 
www.spservicing.com ( under Payments During Marketing Period ) : " Eligible customers may be offered a ( {$0.00} ) XXXX dollar payment plan during the marketing period. SPS will not reject the customers payment if they chose to make their full contractual payment. The marketing period may last no less than one hundred twenty ( 120 ) calendar days, and extensions to the original term may be offered upon discretion of Management. The customer may be required to provide a listing agreement and evidence that property is actively listing for sale. " ****We were eligible, the buyer 's offer was in, and SPS assured us everything was in order. Despite this, they reported us overdue in XXXX ( the month we were approved ), XXXX, and XXXX of 2017 to XXXX, XXXX, and XXXX. In essence, 0 marketing days instead of 120. ****
Product: Money transfer, virtual currency, or money service

Plastiq is a bill payment company which lets you use credit cards to send payments by checks to payees who do not accept credit cards directly. 

They have a referral program where if you refer someone and they make a payment over {$500.00} then the referred person gets {$500.00} of Fee-Free-Dollars and the referrer gets {$1000.00} of FFD. These FFD can be used to send payments exempt from the usual 2.5 % charge.

The complaint here is that I referred my daughter and she made payments over {$500.00} yet Plastiq refused to issue the FFD to her and to me, and refused to provide an explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping for a mortgage during XX/XX/XXXX, XXXX XXXX, XXXX. I had a hard credit inquiry on XX/XX/XXXX and another on XX/XX/XXXX ( from two mortgage brokers ). Experian posted the hard inquiries separately on my credit report even though they were for the purpose of finding the best rate, and within 20 days of each other. The Experian website even states that the two should be only counted as one hard inquiry. I have spent considerable time on the phone with Experian, with them finely telling me yesterday that the two inquiries weren't in the same month so they weren't considered as one hard credit inquiry. That is not consistent with the FICO procedures.