23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I just received an email last week and updated, or thought was an update on a account that said a payment didnt go through, okay I was thinking what the heck. I pay my bill every week! I answered that email with the payment issue that I was thinking what in the heck are you even talking about. I thought it was fixed then get another email today saying their was a problem with my account. Once again what in the world are you talking about. Well the guy says I have {$180.00} in return fees. Okay, wait a minute WHAT? I come to find out the card you are all running is a card that had to be reissued by the bank due to a fraudulent charge back at the XX/XX/XXXX. Okay, I was told I had been called about it. Well I personally didnt get any phone calls as its hard for me to answer my phone, so no voicemails either. The next form of communication is mail not email, but mail for which I never received anything and I responded to both emails. Thinking everything was still right. You all charged me {$180.00} in chargeback fees for a card that wasnt even working, because fraudulent behavior on the account. I never noticed it not coming out because I have quiet a few transactions. I asked about this chargeback fees and said do you take my payments out on a Friday he said yes and I said there is no way thats when my husband gets paid and their is ALWAYS money in the bank even if not on a Friday. Mail, you couldnt have sent me something by mail, for which you did not. {$180.00} in fees on a card that was no longer working. You could have sent me a piece of mail yeah never did and I responded to the two emails. I paid my {$160.00} odd dollars to catch up and also that {$180.00} fee. You did them offer me pay out at {$500.00} the actual merchandise was barely {$250.00} not counting what you had already collected with the right account information and I also put money down. This is shady, very shady! I dont have a choice but to warn others, even the XXXX. I cant notify you if I dont know whats going on. No mail and two emails I did answer. UNACCEPTABLE, because I do not run my finances like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continuously dispute 2 of the collections on my account. Provided documentation that the account I have was paid off and cancel but for some reason the debt collector XXXX XXXX XXXX  thats collecting for XXXX XXXX XXXX saying I owe {$630.00} and XXXX XXXX XXXX stating I owe {$720.00} which is fraudulent. I contacted XXXX XXXX directly and asked if I owed anything or do they see any old accounts in the system. She did a through investigation and check with My personal information looking for this information. She was able to pull up my old account but it was showing paid by me. She even sent out a bill copy that was requested in her back office to get this sent out to show I didnt owe anything and everything is good. The only account I have thru XXXX XXXX XXXX is XXXX and XXXX XXXX XXXX ... No XXXX XXXX  The old Accounts I had with direct tv at different addresses showed I transferred service and no balances. Sent my documents in to all 3 credit bureaus and seem like they look at the other credit bureaus and say its accurate. I even requested documentation and dates which the credit bureaus dont ever send to me. Now at one point it was remove 2 years ago and than added back this XX/XX/2020. The debt collector XXXX XXXX XXXX XXXX XXXX XXXX also popped up on my report in XX/XX/2020 as a new account. I disputed this one as fraudent a couple years ago and they deleted but it came back up in XXXX as a new account they XXXX XXXX. I never had no account with XXXX XXXX and havent borrowed or got a pay day loan for no amounts. For me to get a mortgage loan I had to forcibly settle with this unknown company because the credit bureaus wouldnt take it off my report. I asked also for documentation and dates and etc. even these so call late paymentS and no one will send me anything! Im sick and tired of fighting back and forth with these unknown companies and credit bureaus that I had to make a complaint and on top of that wasted money that could of been on my children. Police Report was made with XXXX XXXX in Texas  for fraud and stolen items. Report number XXXX
Product: Payday loan, title loan, or personal loan

I am XXXX living in XXXX in XXXX. I was applied a loan XXXX through online to Sofi.com on XXXX. that time they asked me the 5 % deposit amount for my repaying capacity purpose. The customer care person asked me the deposit for your account number is wrong so that you want to pay XXXX. I paid it. Again and again they collect the money many more reason facts till time. I paid totally XXXX their asked money. Till time there is no solved my problem from them. Now they asked transfer fee charges again. I wont pay it, i told to them you refund my deposit amount, that time they told me, If you want your deposit amount you want to pay 10 % of my total deposit amount. I thought now they are doing frauldent activity from the public. They doing only collect the money from the public and enjoy it. 
I have really disappoint with this Sofi.com company. I have getting XXXX XXXX. I want to compansate this company XXXX Crores along with my deposit amount.
Product: Student loan

I have been paying on my student loan for over a year and continue to have billing issues. Every time I call the customer service line to ask for help or to see what options I have, they can never seem to help me. They are rude and do n't listen to anything I have to say. They state that I have XXXX loans and XXXX are due on 1 day and the last is due on a different date. They will not help in consolidating them, they will not offer a lower payment option, and just say my account is not able to do so. I ca n't ever seem to get ahead no matter how hard I try. I will submit the payment and rather than applying to the XXXX loans that are due, they disperse as they please which makes one of the other loans delinquent or behind. Their customer service is horrible and do not want to help at all with payment options through their customer support line. I spoke to employee XXXX and she stated they could consolidate and gave me instructions how to do so. I called back 20 minutes later for assistance and a different employee stated there was nothing that could be done and I could n't consolidate the loans or get a lower payment plan and to call back in 2-3 weeks. It ridiculous. I try to pay but yet they keep screwing me over.
Product: Credit reporting or other personal consumer reports

Against my knowledge or consent, a personal loan for {$4000.00} was made by the on-line XXXX XXXX  on XX/XX/XXXX. I had no knowledge of the loan on my credit report until I tried financing something else on XX/XX/XXXX. In an effort to save my credit, I immediately paid the loan off even though they had written off the loan. 
I have been in dispute with XXXX XXXX  ever since. I believe the loan was taken out in my name by XXXX XXXX who had a XXXX  problem. He had access to all of my personal information. 
I have asked the lending company for proof that it was me that took out the loan. Specifically, signature, copy of ID, thumb print or anything else they used to approve the loan other than an on-line application.. To this date, they have furnished me with no copies of proof. I have spoken to them many times and they admitted it was not me as the mother of my step-son tried to take over the loan. However, they will not officially release me from the responsibility of the loan because they know they have wrong information on my credit report and that the may have to reimburse me the XXXX. I have filed complaints with the credit services and the last one was done by Experian XXXX. I specifically asked them to not just take the word of the financial institution and ask for any form of identification that it was me that took out the loan other than information provided on an on-line application. Experian did not do that. They stated that the loan company certified it was me that took out the loan but again provided no copies of my identification. I am retired, own my own home outright and have nearly the max amount of money in my checking account alone that the government would insure. I have never taken out any type of personal loan in my life. I have hundreds of XXXX  of dollars available to me and would have no need to take out a personal loan. This is is case of on-line identity theft and neither the bank or credit bureau seems to be able to understand that. All I have asked for is a form of physical proof that it was me that took out the loan. Signature or copy of government issued ID would be the most logical. They cant do it and the negative event is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute fraudulent charges on my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft, and did not make these charges nor did I authorize or approve these accounts to be opened. I am requesting for these accounts to be removed immediately.
Product: Debt collection

The company or scammers were reaching out and calling my family members to get a hold of me to pay a supposed debt for a shopping network of {$19.00} dollars in The month of XX/XX/2021. When I called the XXXX XXXX they told me that They do not work with that " debt company '' and had never heard of them. The " debt company '' has called me repeatedly and leaving odd messages even after I specified to them that I wanted a written notice of debt owed. Almost into the XXXX week of my last actual conversation with them and they have not mailed anything but they still keep calling me and leaving odd messages.
Product: Credit card

I contacted Capital One to file a dispute on a charge that showed on my account. They asked me to send in all info supporting my claim and get it to them by XXXX XXXX. I received a letter dated XXXX XXXX that my claim was declined. I firmly believe that Capital One never investigated my case as they should have. I sent in all the correspondence showing that I cancelled. I sent them the company cancellation policy. Even after this, the Manager I spoke with was bold enough to ask me for a copy of the cancelation I gave to cancel the service. I sent them the email proof that my registration was not completed which was the first reason why i should not have being charged. Capital One did not fulfill their advertised {$0.00} fraud liability which was my biggest reason for confidently using the card at all times. They were professionally inept
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted Disputes for unknown and inaccurate accounts on my credit report. I was a victim of XXXX Data Breach. I want to Delete all the unknown and inaccurate accounts or I will file a litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i.

I did not give permission to run my credit and acquire these inquiries. 

XX/XX/20XXXX XXXX XXXX XXXX Equifax ) XX/XX/2023, XXXX XXXX XXXX ( XXXX ) XX/XX/2023XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) This is very frustrating and holding me back from the credit score I deserve.
Product: Mortgage

I received my XX/XX/XXXXXXXX  statement for my Home Equity Line of Credit + Insurance + Fees = New Payoff Balance* {$39.00} - {$0.00} + {$0.00} + {$0.00} + {$0.00} + {$0.00} = {$39.00} The statement says Minimum Payment Due : {$0.00} Payment Due Date : XX/XX/XXXXXXXX  We called to payoff the loan. The person at XXXX XXXX XXXX XXXX said the payoff balance was {$43.00}. Our statement says {$39.00} He put us on hold and came back and told us that the payoff balance increase on XX/XX/XXXX. Citizens did NOT notify us of any increase in the payoff balance The citizens customer service agent said we would see the increase in the billing period... .which starts XX/XX/XXXX. 

Today is XX/XX/XXXX. What right does Citizens have to raise my payoff balance without notifying me?
Product: Mortgage

I was recently informed by M & T Bank that my home was placed in foreclosure on XXXX XXXX. I told them that the property should not have been in foreclosure because that mortgage had been paid. 

I was told that only {$490.00} needed to be paid in order to bring the balance current. I paid {$500.00} in XXXX that should have brought the mortgage current. M & T Bank did not apply the funds as they were supposed to... instead, they placed the proper into foreclosure. 

The mortgage was being paid every month, but they were not applying the funds appropriately. Which is why the property should not have been place into foreclosure.
Product: Debt collection

I purchased a new XXXX motorcycle in XXXX for {$20000.00}. I paid on the bike until the summer of XXXX  at which time the bike was returned to the lender. My payments were approximately {$530.00} a month.I paid over {$15000.00} on the bike, they have the bike in their possession ( since XX/XX/XXXX), they are stating I owe them over {$5000.00}. They also have inaccurate information on all 3 of my credit reports, XXXX, XXXX  and XXXX. They did not provide any written information that the bike was Commercially sold, auctioned, nor did they provide a Balance Deficiency Letter.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind verifying the documents? Several of the mentioned accounts exhibit inaccuracies in their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, TransUnion doing business as XXXX XXXX  exposed a security breach which affected over XXXX XXXX people, I am one. There inquiry system coded hard inquiries as soft in error. As a result there is a Class Action Lawsuit against TransUnion. 
I have contacted them wasting hours and hours and no one is helping or even acknowledging the breach. 
On my TransUnion credit report XXXX XXXX XXXX TransUnion shows up more than fifty times every month multiple times as soft inquiries. They dont have authorization and I want these removed.
Product: Credit card

I disagree with the RESPONSE FROM CHASE for the adverse action denial letter ref # XXXX I received on XX/XX/year> regarding an open-ended consumer credit plan. SO, BEFORE I REPORT THIS COMPANY FOR SECURITY FRAUD TO THE SEC FACT : I was denied. 
FACT : In the denial letter it was stated that my current credit report WAS USED to do so. 
FACT : 15 USC 1681i states I have the RIGHT to dispute this denial FACT : IF I CONTINUE TO BE DENIED YOU WILL BE IN VIOLATION OF 15 USC 1681 WILLFUL NON-COMPLAINCE FACT : NO COMPANY CAN PULL MY CREDIT FOR ANY PURPOSE OTHER THAN CHILD SUPPORT 15 USC 1673 ( a ) ( b ) ( c ) Public Law 90-321 FACT : No company can legally report ANY LATE PAYMENTS ON MY CREDIT REPORT 15 USC 1666 ( a ) Timing of payments, it also clarifies how to use the opened consumer credit plan by signing each statement accepting for value and returning FACT : I WAS DENIED BECAUSE YOU WANT ME TO PAY WITH DEBT NOTES AND THAT IS NOT A LEGAL FORM OF TENDER FACT : 15 USC 1666 ( b ) Grace Period states, I have time to repay any portion of this without incurring any additional finance charges FACT : WHOMEVER CHECKED MY CREDIT REPORT FOR THIS OPEN-ENDED CONSUMER CREDIT PLAN DID IT UNLAWFULLY AND UNJUSTLY. 
YOU ARE BREAKING THE LAW
Product: Debt collection

So today XX/XX/2021 I called a number that kept blowing up my phone, hassarssing me XXXX the name of the company is sequium asset solutions. Before I got to say anything 1. They told me it was an attempt to collect a debt which is illegal pursuant to 15 usc 1692e ( 10 ), ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. They never asked who they was speaking too. Also the lady I spoke to XXXX asked if the address they had on file was the address I stay at. How are you going to blow my phone up and ask if I stay at an address that I never stayed at before! Before y'all call people make sure you have your facts STRAIGHT! Do NOT call my phone any more, DO NOT report any information you have onto my consumer report I do not give you permission to sell any information to any consumer reporting agencies or anyone else who is seeking information. if you violate my right 15 usc 1681 ( a ) ( 2 ) you will be committing Idenity theft defined 15 USC 1681a ( q ) ( 3 ). Since you have violated 15 usc 1692d ( 5 ), ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

You caused my phone to ring 3 times I am demanding {$3000.00} and {$1000.00} for violating 15 usc 1692e ( 10 ) which I stated above. Pursuant to 15 usc 1692k ( a ) ( 2 ) ( a ) I am entitle {$1000.00} for each violation ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I contacted XXXX to dispute the incorrect information being reported on my consumer report. I then sent in a 609 letter demanding validation of the alleged information. I have not had a response from the company. I filed a CFPB report in XX/XX/2023 but the case was closed and no remedy was granted. I have called XXXX on several occasions after XXXX. I contacted them again today XX/XX/2023 and they advised to send in a 609 letter which was originally done in XXXX, demanding all inaccurate and alleged debt be removed from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with Capital one many time about them reporting incorrectly to the credit bureaus. When I finally did get an answer the rep was so rude that I closed my account. They are reporting late payments and want this account removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : 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 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 seven 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: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those accounts are not belong to me or any transactions made by me. 
Please remove as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the an account with XXXX XXXX and tried to get the credit reporting agencies to remove on my credit report. I never signed up for service with XXXX XXXX and have disputed it but the credit reporting agencies did not remove it. I sent a validation request to XXXX XXXX through certified mail with request for receipt confirmation and they have not supplied proof requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my must recent credit report, A public bankruptcy is being reported on my credit file this is inaccurate information. I have contacted each credit bureau with proof I DO NOT HAVE A BANKRUTCY. XXXX XXXX Trans Union stated the information was obtain from XXXX XXXX, XXXX XXXX and my city bankruptcy court have provide me with a letter stating I do not have a bankruptcy with them. 


I would like this Bankruptcy deleted off my credit file...
Product: Credit reporting or other personal consumer reports

I have repeatedly sent in removal requests to XXXX for the last several years. Some of the dates XX/XX/scrub>XXXX XXXX XXXX XXXX and recently XX/XX/year>. The responses I have gotten from them is that the account is verified, but none of the errors were ever fixed.
Product: Credit reporting or other personal consumer reports

This account was closed, yet it is still being reported as active and continues to accrue interest, late payments, and an outstanding balance on my credit report. This reporting is misleading, inaccurate, and violates the Fair Credit Reporting Act ( FCRA ) as well as other U.S. Code regulations governing accurate reporting of consumer credit information.

Violation of FCRA Laws Under the FCRA ( 15 U.S.C. 1681s-2 ), furnishers of information are required to report information to credit bureaus that is accurate and complete. Reporting a closed account as active with ongoing accruals of interest and late payments creates a false and harmful impression of my creditworthiness.