23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I called the company servicing my loan XX/XX/2016 to find out what options I had concerning delaying my payments b/c I just had a new baby. I spoke to a representative and she told me to send in my XXXX tax return and that until they figured out my new payment amount my load would be placed in a hold or pause status. I sent in the required information as requested. Later I found out that the information I was given was incorrect when I applied for a credit card. I was denied for the credit card so I look at my XXXX app and discovered that my perfect credit rating was no more. My credit score had dropped from XXXX to XXXX. I called the servicer of my student loan and was told that the information that I received was completely false and that there was no such thing as a pause or hold. I wrote a letter to the servicer demanding that they remove all of the late payments due to the wrong information I received from their representative. They did remove some of them. When they did not remove all of them I wrote them a second letter demanding that they remove the other late payments. I called for an update on the XX/XX/2017 and was told by a supervisor that they were not going to remove the other late payments even though she admitted that the representative gave me false information which let to the incorrect credit reporting that has negatively impacted my life. Me and my husband were planning on buying a new house and now we cant because of this error and the impact it has had on my credit score. The supervisor told me that the only thing they were going to do was file a complaint against the rep and discipline her. This is not enough and I demand that they remove the late payments and if not I 'm in the process of filing another complaint with the department of education and lawsuit. Prior to this instance I was able to get anything I wanted and offered the lowest interest rate available. Now I ca n't get bubble gum on credit. This has devastated my family and I want it corrected and restitution.
Product: Mortgage

Have been working with Selene Finance since last year on loan modification. We have been providing them the documents that they ask for, but the list keep changing as to more and more paperwork. Just gave them the last set of paperwork XXXX weeks ago. All this time while pursuing the modification and its pending status, XXXX has had their attorneys pursue a dual track by continuing court action. I am told this practice is illegal and called DUAL TRACKING
Product: Money transfer, virtual currency, or money service

Hi, I accidentally sent XXXX electrify XXXX tokens to a XXXX address that XXXX uses for my account for ethereum token transfers. XXXX. 

Once those tokens were sent and in Coinbases possession then XXXXoinbase decided to not return them to me. They are the only owners of those private keys and could return the tokens to me if they chose to, but they choose not to because it would be work for them to manually send the money back. This is over {$1200.00} in value lost to me. 

I'm simply asking them to refund the tokens to the address that they came from : XXXX Their response : " Unfortunately, our key-signing mechanism is not equipped to handle alt-coins or tokens that run on top of digital currencies such as bitcoin or ethereum. The security and integrity of our private keys is of the utmost importance to us. As a result, the specific private keys associated with an address are not available to any single person. Due to the inherent security risks involved with accessing specific private keys, it is not possible for our support team to recover funds sent to a Coinbase wallet in this way. '' This tells me that they haven't given their support staff the ability to help customers retreive their funds and instead choose to keep accidental funds sent to them instead of manually returning the money to it's rightful owner. This should be illegal to keep money that isn't theirs and refuse to help. 

Thank you for your help, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I sent a certified letter to GM Financial, along to the 3 major Credit Reporting Agencies XXXX, XXXX, XXXX ( see attached documents ) .The letter explained how GM Financial has violated my consumer rights! Heres the supporting evidence that was included in the letter : Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I demanded that the account be deleted ( see attached ). I received a response back from GM Financial ( see attached ) basically stating they were unable to proceed with my request because no specific item was requested for investigation and there was no supporting documentation ( see attached document ). 

On XX/XX/XXXX I sent another letter certified mail ( see attached ) that included my consumer report showing that GM Financial was indeed reporting on my file ( see attached ) .Included in the letter was the supporting documentation, that reiterated why I demanded to have this account deleted from my consumer file ( see attached ). 

GM Financial sent me the same exact response letter from XX/XX/XXXX that was now dated XX/XX/XXXX ( see attached ). At this point I feel GM Financial is disrespecting my rights. Ive never given them written permission to report my GM Financial account/tradeline to any Credit Reporting Agency . Furthermore, GM Financial never gave me proper notice and OPT-OUT information regarding disclosing nonpublic personal information to nonaffiliated third parties as deemed by the Gramm-Leach-Bliley Act.
Product: Debt collection

XXXX XXXX XXXX has violated 15 usc 1681 2a They reported XXXX dollars in charges Wrong XXXX dollars. The is a charge off. Please delete account and send a XXXX c form. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charged off amount Please send XXXX c
Product: Debt collection

On XX/XX/2023 at XXXX EST, I spoke with an agent in the collections department at Fortiva Collections. They verified what the last payment date was and agreed to do a settlement for deletion. The collection representative stated that I had until XX/XX/2023 to pay the settlement amount and if paid by that date the account would be marked as 'Paid In Full '. The Fortiva collection agent then informed me to mail the settlement payment amount of {$2000.00} to the following address ; 'Fortiva Collections Department , XXXX XXXX XXXX, XXXX XXXX TX XXXX. The Fortiva Collection agent that I had to pay the settlement amount of {$2000.00} by no later than XX/XX/XXXX. 
They also agreed to remove the late fees that were reflecting in the amount of {$120.00} The check was mailed to Fortiva Collections Department and placed into their bank account on XX/XX/2023 ( See Enhanced Copy of Cancelled Check Attached ). At this time Fortiva by cashing the check has agreed to the following which is clearly written on the back of the check they cashed and it clearly states : ( Quote ) " By negotiating this check, the creditor herein agrees that this payment represents paid in full, paid as agreed and further agree to remove this account XXXX from my credit report. '' ( End of Quote ) ( See Enhanced Copy of Cancelled Check Attached ). 

After the settlement amount was, Fortiva has continued to ruin my personal credit by reporting the account as Past Due, Late Payments when in fact they agreed to settle the account for the amount paid which is {$2000.00}. At this time, they continue to harass and phone me for payments and causing my credit scores to continue to be low due to their inaccurate reporting of this account which should be showing as 'Paid In Full '' and 'Removed from my credit profile ''.
Product: Mortgage

Im am having a very difficult time working with Shellpoint for a FHA short sale approval. We have done everything Shellpoint has asked for. We placed the property on the market at the approved value completed by Shellpoint. We have submitted a short sale offer with the requested NET to NEWREZ/Shellpoint of {$360000.00}. We have also removed the requested liens that FHA will not pay. 

Over the past couple of days the assigned rep. XXXX XXXX has been somewhat difficult to work with. He keeps asking for documents we have already sent more that once. Hes asking underwriting and processing questions that make no sense. After a week of confusion he is now stating we have to remove the relocation assistance of {$3000.00} for the Seller XXXX XXXX. Shellpoint has stated in print and verbally over the phone she would be eligible for relocation assistance. In 12 years in doing short sales I have never seen FHA deny relocation assistance to a hardship file. Ever. The XXXX family is losing their home due to a medical hardship and based on the info Shellpoint provide they were expecting that to help them relocate. These are funds that are needed for this family during the time of COVID.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX XXXX deposited XXXX into coinbase to store and explore some of the crypto options. I then noticed several charges going into and out of the wallet that were fraudulent. I reported this to my bank as well as coinbase. I also advised coinbase I wanted to withdraw my XXXX due to not trusting it would still be there for me when it said it would be available on XX/XX/XXXX. They advised I could cancel with my bank since it was still showing pending. However, my bank said it had come out the morning prior so they could not cancel any longer. Now that coinbase knows I was trying to get the money out due to fraud on their end, they have put a hold on that money until the XXXX. I have looked into it online and found several people reporting that this has happened to them and that they were never able to get their money out even a year after the event.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.
Product: Credit card or prepaid card

My husband is in XXXX but has money in his account from work release. He makes my credit card payment of XXXX every month to PNC. The check is sent from a government account on the first Thursday of every month. I have consistently had problems from the very beginning. At first they would send the payment back so it took months sometimes to make one payment. Lately they are holding the check 3 days before applying it to my account. This month its been 2 weeks since the payment was sent and they cant seem to tell me anything. Their systems are not set up to be able to tell me if they receive the payment until it posts, which could be 3 days or more later. I know that payment is there. It has never taken two weeks to apply it to my account and this month is not the time to be holding my money. Now, if they get it posted tomorrow I wont have access until Monday because they dont credit a credit card account over the weekend. Im not sure why they are holding the checks to begin with. Then claim on the bill they deposited the check several days prior to giving me access to it. Something is not right with their business practices with payments that are mailed in. If I made an online payment today, it would be applied to my account tomorrow. I said this to them last month and they told me I was wrong, but Ive made quite a few online payments on top of what my husband pays. If I was not stuck with my husband sending money to this account I would shut it down, because it is so disorganized or unethical, Ive not determined which.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute two fraudulent inquiries that have appeared on my credit report without my authorization. The inquiries in question are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX These inquiries were made without my consent and are the result of identity theft. As a consumer, I am protected under both the Fair Credit Reporting Act ( FCRA ) and California Consumer Credit Reporting Agencies Act ( CCCRAA ), which mandate that any unauthorized or fraudulent inquiries be removed immediately upon notification. 

To support my claim, I have enclosed the following documentation : 1. A copy of my government-issued identification. 
2. An updated copy of my official FTC Identity Theft Report.

3. A copy of this dispute letter for reference. 

# # # Applicable Laws : - **Under FCRA Section 605B**, fraudulent information, including unauthorized inquiries, must be blocked from my credit report when identity theft is reported.

- **California Civil Code Section 1785.16 ( k ) ** further provides that credit reporting agencies must investigate disputed items within 30 days and remove or block any fraudulent inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have XXXX inquries on my transunion that were fraud and never authorized by me. I never gave anyone the right to run my credit score the following inquiries need to be removed from my credit profile on transunion and any other reporting agencies. Under the fair credit reporting act 609. XXXXL ( Bank ) XX/XX/XXXX, XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  accounts that were previosly deleted due to me being a victim of identity theft have reappeared after so me one in  Equifax decided to " consolidate '' my report to shorten it. All of these accounts were previously investigated and blocked due to identity theft. Now that they have re-appeared I have been shuttled to the consumer affairs division of Equifax where the representatives are extremely rude and not helpful towards my situation. All of my documentation is on file and these accounts should have been deleted again within 4 days and that has not occurred. It has been approximate ly 2  weeks and this is causing me an extreme hardship.
Product: Debt collection

Respected I am XXXX XXXX, I received a letter dated XX/XX/2023 from you as Dept Collector report about Synchrony Bank PayPal Credit Card Amount, Total Amount of the Dept > XXXX Reference no >XXXX Sir i am saying to you that i have cleared total amount in previous days i have no more amount to given to bank so consider my case and kindly solve and closed my headache.I shall be very thankful of you.Thanks a lot sir. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX
Product: Credit card or prepaid card

Bank of America will not do anything. I had a XXXX credit line. I paid my bills on time. I get an email today they cutting my line down to XXXX that is not right. i called to ask and they couldnt tell me anything. i have good great credit and this is not right. i have a car loan from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this debt nearly 3 years ago and despite 2 letters, it was just reported to crediting agencies on XXXX. According to ProCollect I was a resident from XXXX, however, according to the documentation they provided ( Apartment Lease Contract ) on pages 1 of 8 and 8 of 8, the Lease end date was XX/XX/17. 

XX/XX/2017 ProCollect , Inc. 
XXXX XXXX XXXX # XXXX XXXX, TX XXXX Sent Via Certified Mail, Return Receipt Requested Re : Account Name : XXXX Dear Sir/Madam : I am writing in response to your letter dated XX/XX/2017. I do not owe this debt and I am disputing this debt. 

I am requesting you provide the following information : 1. An itemization of all charges. Your enclosed Invoice did not include an itemization for the line item Rent, only an amount ; 2. Verification of tenancy during the period listed on your enclosed Invoice ; 3. An application for this debt ; 4. Proof of my agreement to pay the original creditor ; 5. A copy of all payments made to the account Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the tradeline from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. 

Aside from verifying the debt, do not contact me about this debt. If your offices attempt telephone communication with me, I will consider it harassment. 


Signed, XX/XX/2017 ProCollect , Inc. 
XXXX XXXX XXXX # XXXX XXXX, TX XXXX Sent Via Certified Mail, Return Receipt Requested Re : Letter dated XX/XX/2017 Account Name : XXXX Dear XXXX XXXX : I am writing in response to your letter dated XX/XX/2017. I do not owe this debt and I am disputing this debt. 

I specifically requested you to provide the following information : 1. Verification of tenancy during the period listed on your enclosed Invoice ( XXXX ) ; 2. An itemization of all charges. Your enclosed Invoice did not include an itemization for the line item Rent, only an amount ; 3. A copy of all payments made to the account ; An application for this debt ; Proof of my agreement to pay the original creditor. 

According to the documentation you provided ( Apartment Lease Contract ) on pages 1 of 8 and 8 of 8, the Lease end date was XX/XX/2017. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the tradeline from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. 

Aside from verifying the debt, do not contact me about this debt. If your offices attempt telephone communication with me, I will consider it harassment. 


Signed,
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.
Product: Credit reporting or other personal consumer reports

Columbia Debt Recovery is charging interest and making my credit go down, They may only charge interest and fees as they were outlined in the original contract. That's a rule specifically defined in the Fair Debt Collection Practices Act ( FDCPA ). I did not sign a contract with columbia debt recovery and i have asked XXXX  multiple times to provide me with this proof, they keep sending me a letter stating its accurate and thats it. My name is not enough for proof. This is not my debt and i do not owe any apartment complex any money, if this was the case there would be a eviction on file with XXXX  courts. I am demanding to remove off my credit, this is hurting my credit everytime they add interest that is not even apart of any contract i have signed. This is not a credit card or open loan to add interest because they took the debt from a company that is stating its mines and i explained to them that this debt is not my debt. They are refusing to remove this debt off my credit and this is against the fair credit reporting laws in maryland. Columbia debt recovery has long term records of making people pay debts that are not theirs, they are harassing 's me and very aggressive trying to tell me this is my debt and sending me a lease for proof. that is not proof of the debt the complex is stating is mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed information that is inaccurate and should be removed.
Product: Credit card

Throughout my use of this account, I've maintained a track record of timely payments, never allowing them to lapse. I'm perplexed by the existence of late payment remarks on my accounts. Referencing 15 USC 1666b - Billing Error, corrections are warranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an outstanding Collection account from IQ Data International ( XXXX XXXX XXXX ) that has been payed in full since XX/XX/2018. I have repeatedly contacted IQ Data to have the account shown as payed in full. They have agreed to do this numerous times and have yet to do so. 

I have both a letter from IQ Data, dated XX/XX/2018, showing that the account is payed in full and acknowledging that the account has been settled, as well as the cancelled check, dated XX/XX/2018, showing payment in full as received. However, they continue to report this on my XXXX report. 

Additionally, I have disputed the charge through XXXX and they have refused to remove it as well. 

I have the necessary documents to prove payment and IQ Data 's acknowledgment of the payment in full.
Product: Credit reporting or other personal consumer reports

As a consumer and natural person am a victim of identity theft. XXXX, Equifax, XXXX have used and furnished my consumer credit report without my authorization, consent or written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, Equifax, and XXXX has violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMER 'S RIGHT TO PRIVACY! XXXX, Equifax, and XXXX are in direct violation of the FCRA and the XXXX XXXX XXXX Act of 1999.
Product: Credit reporting or other personal consumer reports

The derogatory rating on my account is causing me significant distress. Its impact on my credit has been severe, already resulting in a rejected loan application and increased interest rates on my existing credit accounts. This negative rating has caused, and continues to cause, substantial financial hardship and emotional strain.