23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In 2016, when I was still a teen, a debt was not disclosed with me as being sent to a collection. I was under the impression that my student loan of roughly {$2000.00} was covered with XXXX  college of XXXX XXXX. 
I was young and unaware of any debt that I owed, as my parents told me it was paid in full. 
As time passed and I finally discovered this was on my credit report, it was paid in full immediately. 
I did not neglect this debt or deserve to have it sent to collections at such a young age with no warning. 
Based on my other credit history, I have never missed a payment, nor have a been in this situation with any other company. 
I believe this situation needs to be looked at more seriously and a fair solution needs to be provided. 
This should be removed from my credit report immediately.
Product: Mortgage

We are in the process of buying the house we rent from our landlord. 

We started our process with Quicken Loans back in XX/XX/XXXX. We got prequalified for a conventional loan and were finally approved and had our closing date set for XX/XX/XXXX. 

On XX/XX/XXXX, they ran my credit and stopped the closing of the house because of an increase on our debt to income ratio. 

After multiple options raising gift money from family, QL informed us that the only solution to save our conventional loan was to add a co-signer. Please note a denial was NEVER mentioned. More on that later. 

In the process of figuring out our finances from XX/XX/XXXX to XX/XX/XXXX we contact a local mortage broker to see if we had another option to which he mentioned we could try a FHA loan. They are more lenient to XXXX XXXX and we would qualify. 
We started the process with our local mortgage broker and was pre approved for an fha loan. 

Before getting a reply from our broker we ASKED Quicken Loans if FHA was an option to have all options available in hands. Please note we never agreed to switch to FHA or said we wanted to proceed with FHA. We asked if it was an options and QL replied that we would need a statement from the seller that he was ok with an FHA sell and we would need a new appraisal to make sure the house qualified as FHA. 

2 days after that email from QL they sent us an FHA pre disclosure and an addendum for the seller to sign, which we never acknowledged, never signed and never gave it to the seller to sign. Please see these documents attached. 

Since the process with the local broker was a lot smoother we slowed communications with QL and continued on our process with our local broker. 

On XX/XX/XXXX QL emailed us saying that if they didnt hear from us they would have to WITHDRAW the loan, to which we replied immediately, please go ahead and withdraw. Thank you. Again no denial was mentioned. - Please see attached XXXX 's During underwriting, now with the new lender, we were informed that we have a road block because quicken loans assigned a denial to our FHA case number and our new lender wont authorize unless that denial is removed. 

Quicken loans refuse to remove the denial even though we do not have any signed document or email or phone call to switch our loan to FHA. 
We also withdrawn before they stated we would be denied. We believe that this is fraudulent from them since there is no signed documentation that we wanted to proceed with an FHA loan. 

Our loan officer was XXXX XXXX as you will see on the attached email XXXX  's FHA Case Number : XXXX
Product: Debt collection

I have received 2 calls today from a debt recovery company in Illinois. There phone # is ( XXXX ) XXXX 1st cal to me was at XXXX XXXX Az time, 2nd call at XXXX XXXX  Az time. Asked for XXXX XXXX, I asked who they were with. 1st call refused to tell me, I said I'm confident you have the wrong person, he was beligerent and I asked why are you so hateful. He made a desparaging comment that I could not understand. I asked him to repeat and he hung up. He was a XXXX male. 2nd call was a XXXX female, she asked the same questions, I told her my dob and it didn't match nor did the social security # she had. I said you have the wrong person, please stop calling me, with that she unloaded on me calling me every name in the book and frankly I didn't understand a lot that she said. Then she called me an XXXX. Remember, I said nothing bu that she had the wrong person and to please stop calling. I then asked her, " did you call me XXXX ''? She said yes and continued with her vulgarity, I told her I was going to report them. She said go ahead and continued her belligerent tirade and then hung up. I am XXXX and I don't need this type of treatment from anyone. Please help
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted from my credit report : XXXX XXXX {$21000.00} XXXX update to never late XXXX Credit {$250.00} XXXXRemove Capital XXXX {$3100.00} XXXX Remove XXXX  XXXX {$0.00} XXXX Remove XXXX XXXX {$1200.00} XXXX Remove XXXX XXXX {$420.00} XXXX Remove XXXX  $ XXXX Remove XXXX XXXX  {$0.00} XX/XX/year> XXXX Bankruptcy {$0.00} XXXX Remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

XXXX  and Experian refuse to remove invalid accounts off my report have called, written and fax in request and proof that the accounts do not belong to me I ve filed police report and submit ID That affavaid and they still refuse after 4 years to remove accounts that do not belong to me the accounts needing to be removed are 2 XXXX XXXX XXXX ( no monies owed, invalid amount and account status reporting and volition of new public law that went into effect XXXX of 2017 ) XXXX XXXX these 3 items need to be removed and blocked from future reporting.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a electric guitar for {$66.00} for XXXXXXXX that was advertised on XXXX I checked the tracking number and the shipping company couldnt confirm the number was valid I canceled order after that and requested a refund from cash app and they denied refund request XXXX have not responded they have been flagged as a scam by scam report
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 someone applied for a XXXX XXXX XXXX XXXX credit card in my name using my personal info. XXXX ran a credit report inquiry and called me to see if I initiated an application for which I said no. XXXX said they would cancel the card application and advised me to report identity fraud. I called the credit bureau and placed a fraud alert and disputed the inquiry onmy report for XX/XX/2024 by XXXX XXXX, reference # XXXX.
Product: Credit reporting or other personal consumer reports

The following company, XXXX XXXX XXXX has reported a fraudulent account on my credit reports. I do not have any financial obligations with this company. The above-mentioned company has failed to supply me with any contracts that was signed on my behalf. This account and company are considered fraud as no authorization has been provided to this company to furnish any information into my credit profile... 

Transunion Credit agency has not completed an investigation into this matter to validate any claimed relationship that I have with this company.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I am trying to ressolve my complaint with Conn 's for over 1.5 years. I only purchased a Tv for {$390.00}. Conn 's have charged me interest on the amount I never took delivery on. My account has not been adjusted to reflect the removal of the {$160.00}, {$260.00} and {$79.00}. Now Intrest has occured and I should have had an lower payment when the items where removed but instead the payment stayed the same. 

I am willing to pay the amount I owe for the TV, Tax not anything else. 
I have not been working whioch I have exlained to them and recently have been placed on FMLA. I explained I wold like a new ledger showing the current charges. Conn has refused to provide an updated satement refelcting the credits for items I never took delvier or scheduled a deliver for. Infact the items were never removed from the orignal purchase and I have been charged interst for all of them instead of 1 item the TV for {$390.00}. 
I explained I can make a paymnet of {$40.00} a month and they refuse to take the payment Rather I recieved this email from them today : XXXX You have had more than enough time to pay, get all of the answers you have deflected back to instead of making the payments. The last payment has been made since XX/XX/21. Actually, it is the opposite. We are accepting less than the {$1100.00} balance that you owe. The last payment made was XX/XX/21. Have you been unemployed for the last two years? You have mentioned several reasons why you refuse to pay, can not pay and deflect away from making the payments. How long have you been without an income? Is your spouse working? What other bill can you pay {$40.00} on in order to make a full payment on this bill? 

Conn 's is abusing their rights by asking me the questions above. As I mention I am out of work on FMLA and have not been working but they do not understand. 
I would like to only be charged for what I took ownership of the TV plus tax not all these additionla fees and I want to see a new ledger reflecting the credits.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfers

Paypal banned me for life because they say I violated their Terms of Service. I added money to my account using their XXXX cards and spent it using my Paypal Debit card. They previously gave me a " warning '' against getting cash back at the grocery store so I avoided doing that. In the end, buying a pizza and clothes for my kids got me a lifetime ban from Paypal. I explained that I 'm feeding and clothing my kids but their phone agent could n't care less. She had a sarcastic tone and I could hear her rolling her eyes ... .. 
When they point to an opaque wall of text XXXX to justify hurting my family over nothing it makes me angry. If they 're trying to fight money laundering or whatever they 're doing a lousy job.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have used ClearOne Avantage to help Settle our debt. They lied about how much money would be needed monthly and drafted from our account without permission. They were very misleading. We have been served by one of the creditors that they said they settled.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX University from XXXX and had student loans for tuition through XXXX, serviced by Great Lakes Student Loans from XXXX through XXXX. In summer XXXX ( XX/XX/XXXX ), XXXX switched servicers from Great Lakes to FirstMark Student Loans. At that moment in time all student loans ( different years / semesters ) were paid on time and paid ahead. All payments from XXXX to XXXX were made on time and for an amount above the minimum payment required resulting in paid ahead balances. FirstMark had different privacy policies than Great Lakes that I was not familiar with. In the communication from XXXX, I was told my accounts, login ID, passwords would not change. And that was true. I continued to login with the same ID and password and make the same monthly payment as had been for the past 10 years. In XX/XX/XXXX/XX/XX/XXXX, FirstMark reached out saying I did not make a payment on my student loan. I checked my bank account and money transferred from my bank account to FirstMark for the same amount as had been for the past 10.5 years. FirstMark / XXXX reported this to the Credit Agencies taking my Credit Score from just above 800 down to about 710. Eventually, FirstMark and I were able to determine that FirstMark had different privacy settings than Great Lakes and that had led to the payments ( {$600.00} per month for 10.5 years ) to not be applied in the same manner than Great Lakes had applied them. This caused one of the loans to not be receiving part of that {$600.00} payment. The remainder of the {$600.00} payment I continued to make was being applied to paid ahead balances on the other loans while letting this one loan go into default. Through all of my communication with FirstMark they agreed they were in error and would fix this. However, it was never done. I was continually spun in circles. It was eventually escalated to XXXX executive offices ( XXXX ) who did a review and said that I never made a payment on that loan and therefore it was in default. Subsequently, the following month I made the same {$600.00} payment and the {$850.00} balance of the loan went to {$0.00}. FirstMark moved paid ahead balances from other loans to that loan to pay it off and then close it. I did not request FirstMark to do that action. When I followed up with FirstMark to ask how that happened the service representative was not able to explain how it happened and said that it shouldn't have. If FirstMark had that capability then why would they have not done it before putting the loan into delinquency. I have been in communication with FirstMark and XXXX for the past three ( 3 ) months and have continued to just be spun in circles. I don't know where to turn to at this point.
Product: Checking or savings account

There were several unauthorized recurring debits in my checking account from XXXX ph # XXXX. I made a claim to Wells Fargo to dispute all charges from this place on XX/XX/XXXX I was advised they would let me know the outcome but never got a response unless I called directly. I was credited about {$40.00} from when these transactions from when the incident started on XX/XX/XXXX Now Im being told that my dispute XXXX & XXXX is the only time it can be disputed out of a total amount they were able to find for {$3100.00}. I feel this is unacceptable especially if it was never a time where my card was used online before. I always use the physical card.
Product: Debt collection

This company accused me of owing debt to XXXX in a letter in early XXXX of 2021. I requested proof of debt on XX/XX/2021 via certified letter. They did not respond, but called me today, XX/XX/2021 attempting to coerce me XXXX in a demanding tone that ) I allow them to record me without my consent, and that I verify my social security number. Again, they have not provided any proof that I owe such debt. 


She said " We record all of our phone calls ; I mean, you don't have to verify your identity, but this isn't going to make this problem go away. '' My main issue is not that I verify who I am ; My issue is that they did not bother to show proof of debt, and tried to prevent me from exercising my rights of not allowing myself to be recorded. 

Their statement in conjunction with attempt to coerce me to verify my social security number without providing proof of debt leads me to believe that they are about to hurt my credit without cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Credit card

XX/XX/year> Bank of America emailed me about suspicious credit card activity from XXXX. I immediately called them and said it was FRAUD. Charge amount {$2900.00} I have been in contact with Bank of America many times. 
As of today, XX/XX/year>, this charge has not been removed from my account. 

Please get them to remove the charge.
Product: Vehicle loan or lease

I recently sent GM Financial a Notice of Violation of 1006.6 Communications in connection with debt collection. They insistently send me emails at the most inconvenient times ; I am a very busy, hard-working woman and need not be disturbed with payment reminders between the hours of XXXX. GM Financial have sent 5 emails concerning payment reminders and payment status after XXXX and before XXXX. 

I sent them this Notice, attachments of the 5 emails sent from GM accounts receivable department, and attachment of my invoice for each email I am requesting {$1000.00} per violation a total of {$5000.00} plus 7 % tax rate totaling {$5300.00}. 

Please look into this matter since my consumer rights have been directly violated and I feel harassed with these payment reminders.
Product: Money transfer, virtual currency, or money service

Payment was not authorized my XXXX wife was trying to navigate my phone the phone. The app glitched and sent money to wrong person. I did not authorize this transaction and they refuse to help me