23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am going to cut / paste their latest response and break it down. You are attorney 's and don't seem to understand math : " The date of the initial communication was XX/XX/XXXX. The initial scheduled court date is XX/XX/XXXX. This is clearly more than 60 days from the validation notice. 3. There is simply no requirement that suit be delayed more than 30 days from the initial validation notice. The debtor merely has 30 days to dispute the validity of the debt and request verification. '' It doesn't matter if the court date is 5,231 days after the initial letter. Your previous responses, including the one yesterday specifically states : " The debtor merely has 30 days to dispute the validity of the debt and request verification '' Again, as I've said before, this law firm DID NOT afford me the entire 30 days to dispute this debt or contact them. They gave me 23 days ( from the date of the letter, not actually when I received it 8 days later ) and on the 24th day they filed a lawsuit in XXXX County. They robbed me of 7-8 full days to respond as required by their LEGAL signed letter as well as the law allows. I was robbed and not given that legal amount of time to respond as they filed early. In fact, I responded after I received their letter on XX/XX/XXXX through CFPB to dispute this debt with no response from them or their shady client ( XXXX XXXX XXXX ). Technically, since I didn't even receive their letter until XX/XX/XXXX I should have legally had until XX/XX/XXXX or later to respond. This date is proven by USPS Informed Delivery. I didn't receive this letter until 8 days later, 8 days past the date of the letter. 

It doesn't matter how you want to twist and turn the way you are trying to spin it ; the math comes out the same every time. YOU FILED 7-8 DAYS EARLY AND DID NOT AFFORD ME THE TIME TO RESPOND REQUIRED BY YOUR LETTER AND THE LAW. 

I'm not sure how more CLEAR I could be. This law firm thinks they are in the legal right to do what they did, however I have been told that their letter is a legal document and the letter even says I have 30 days. It does NOT say 23 days, it says 30. The law also allows me to dispute a debt within 30 days. The law does not say 23 days then we're filing a suit, it says 30, which I WAS NOT AFFORDED. 

CFPB : Please do something about my complaint instead of letting them respond with XXXX non-relevant information regarding my case then closing it like everyone has moved on. I am not letting this go.
Product: Credit reporting, credit repair services, or other personal consumer reports

My only name is XXXX XXXX. Please remove any and all other names reported. 
My only address is XXXX XXXX XXXX  Please remove any and all other addresses reported.
Product: Vehicle loan or lease

This company has unlawfully repossessed and sold the vehicle. The vehicle was repossessed in XXXX. This company continues to report fraudulently using my data in violation pursuant to 15 USC 1681A ( 2 ) ( b ) by furnishing an account that was created from my credit card or similar device and continues to use my credit card data in unauthorized factions that I never gave permission directly or indirectly. This company is advertising that I alledgedly owe when I do not. There is no debt sold because the product has been sold. CNAC is violation of 15 USC 1681B for furnishing a consumer report without my consent. They continue to use the Credit Reporting Agency 's to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. This company has committed fraud through mail as well as aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028.
Product: Vehicle loan or lease

In XXXX I leased a XXXX XXXXXXXX XXXX. At the time of obtaining the lease I made a " one time payment '' in the amount of XXXX. I later received a bill for a monthly payment. We contacted the dealership. They told me " they showed us paying a one time payment '' and no monthly payment is owed. The next month another bill came along with a letter stating that we were being reported the credit bureaus for non-payment. I requested an investigation, as the dealer had provided the financing company with proof of payment. This month I received no bill... but did receive a letter indicating that the investigation into " me being incorrectly billed '' resulted no status change and we will be reported to the credit bureau agencies. There is no number to call. No email to correspond with. Proof of the " one time payment '' has been supplied by the dealership. Reporting us to the credit bureaus is criminal and outrageous.
Product: Checking or savings account

In XXXX, SoFi Invest sold {$25.00} dollars of my assets to cover a {$25.00} inactivity fee. They say I did not login to my account for 6 months. This is nonsense. I never agreed to this fee, and if I did not login to my account, as they say, then I never logged in to accept any changes to the fee schedule on my account. 
SoFi should remove the fee and credit back my account the {$25.00}.
Product: Credit card

On my Care Credit account ( owned by Synchrony bank ) I have two promotional/deferred interest purchase balances expiring on XX/XX/XXXX. According to my XX/XX/XXXX statement, there is one promo balance of {$1300.00} and another of {$530.00}. I made two payments to my account on XX/XX/24 : one payment for {$150.00} and another payment for {$350.00}. Since my promo balance expires on XX/XX/XXXX I expected that both of these payments would be applied to those balances and not to other promotional balances on the card since this is what is stipulated in the Card Act as well as the cardmember agreement ( i.e., that payments are applied to the balances with the deferred interest first ). 

On XX/XX/XXXX I logged into my account and saw that one promo balance was {$180.00} and another was {$1300.00}. The payment of {$150.00} was NOT applied to the promotional balance that expires on XX/XX/XXXX. The payment was applied to a different balance on my account. 

I sent a message to CareCredit through their online portal and received a message saying that they would review my complaint and that our review and resolution process may take up to 2 billing statements, ; however, our typical response time is 20 days. You will receive a letter in the mail with the resolution. Given that the promotional balance expires on XX/XX/XXXX, which is earlier than 2 billing cycles, this issue will not be addressed in time. 

CareCredit/Synchrony Bank is in violation of the Card Act because of how they applied this payment. 

I want the payment of {$150.00} applied to the promotional balance expiring on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple  XXXX  letters to get these  XXXX  collections removed. I have also called and disputed these accounts online and Transunion nor   XXXX   will remove the negative accounts. These  XXXX  negative accounts have been off my  XXXX  credit report for over two months and I have told TransUnion and  XXXX  that but they wo n't budge and remove them. Neither accounts have validated themselves which is why   XXXX    removed them. In my screenshots    XXXX   XXXX   XXXX    and my  XXXX  app both show no negative accounts open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one open an account with information that was stolen. Experian was notified on several occasions and it was deleted. XX/XX/XXXX the collection agency resubmitted the same information and it was posted to my credit file. I have sent them this information over and over again I have even submitted the police reports that supports my claim. 


Results Report Number : XXXX Date Generated : XX/XX/XXXX XXXX XXXX XXXX  XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains
Product: Money transfer, virtual currency, or money service

I tried to contact cashapp support, to increase my withdrawal limits, so I could withdraw the money to purchase a car. Apparently I called the wrong number, and ended up getting all money sent to a debit card that isn't mine, that's tied to a bank account that isn't mine. And then my cashapp account was closed... 
I just sold my car, to buy another one ... I need this money back and I don't know of cashapp will do the right thing.
Product: Credit reporting or other personal consumer reports

Credit Bureaus are not reporting accurately. i called them and sent in my Identity theft report and verification from all third parties located on all three bureaus on my credit report, that they could not provide original contracts or signatures or provide proof of debt. I was nowhere to be located there for these things listed on my credit are false and need to be removed. Therefore by law have to be removed from my credit report. All collections need to be removed under 15 U.S.C. 16929c ) ( g ), All charge offs need to be removed under 15 U.S.C. 1601 15U.S.C.16819 ( c ) 2, ( e ), ( i ), All late payments need to be deleted 15 U.S.C. 1666 ( b ), 15U.S.C 1637 ( a ), all car repos need to be deleted 15 U.S>C> 1681 ( s ) 2 and all Hard inquiries need to be deleted 15 U.S.C. Code 1681 ( n ) the items that need to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or more of these companies violate the Fair Debt Collection Practices Act 15 U.S.C section 1692, et seq the FDCA, The XXXX XXXX XXXX Debt Collections Practices Act Cal. Civ. Code section 1788, et esq the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to fight some ongoing fraudulent accounts someone has used my name and ID. I was contacted by someone claiming to be from the SSA and giving some long drawn out story about my information being used in TEXAS. I have never lived in TEXAS and I do not have any associates in TEXAS. I pulled my report and found the following accounts that do not belong to me : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX ( XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a collections account to my credit file that has nothing to do with me. The date of birth connected to this collections account is XX/XX/XXXX and my date of birth is XX/XX/XXXX. I have contacted XXXX XXXX XXXX on numerous occasions to have this resolved to no avail. I spoke with extension XXXX XXXX XXXX XXXX and she assured me that this would be removed and to date it havent been resolved.
Product: Checking or savings account

It's always some type of something where they are doing more then they supposed when they should not be messing with or up my finances at all, tht is very embarrassing, in it triggers at the wrong time
Product: Money transfer, virtual currency, or money service

My CoinBase account was frozen due to hacking issue in the beginning of XXXX. I was locked out and can not access my account or any of the money that I had in the account. The CoinBase Case # XXXX was created. I had since requested to regain access to my account multiple times since XXXX. I have received emails from CoinBase asking me to provide ID for verification, which I did on XX/XX/XXXX. Then on XX/XX/21, I was asked to create a new Coinbase account, which I did. I have still not received a response or resolution since then. I am waiting for CoinBase to verify my new account to my old account so that my money can be transferred into the newly created CoinBase account.
Product: Debt collection

Ive been charged for an apartment I never had nor never agreed to gets someone stole my identity and when I found out I reported it right away. XXXX XXXX was responsible for my identity theft and I have reported this multiple times. I have a credit score of XXXX and never had a collection in my life I take my finances extremely serious please help me get this removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX, XXXX is reporting erroneously on my credit file. When I first noticed this debt I called and paid it off. I have been monitoring my credit and noticed only one of the accounts has accurately reported the balance. I had tried to challenge these debts and have not received any responses. I called to ask if the account was settled or not as it was not reporting as paid and I found one of the accounts was not settled. I was furious when this happened because I called and settled both these debts MONTHS ago. On top of that I never received any calls, notices, or letters about this debt and this violates my 30 day right to dispute. I need these accounts removed ASAP.
Product: Payday loan

I was issued a payday loan with Advance America, of {$1000.00} with the APR of 137.37 % and a Finance Charge of {$130.00}. I have had a loan with AA off and on since XX/XX/XXXX. For the past few months when I would re-loan, I would inquire if there was any arrangements that I could make with them due to my being financially incapable of continuing the payday nightmare, I was reassured each time that nothing was available and the only option I had was to just pay the loan as agreed. During XX/XX/XXXX, when paying at the time XXXX or XXXX payday loans became utterly impossible, I begin to read the customer agreement statements to investigate if I could find other lawful options that would assist me in paying the overwhelming debt. I noticed that Advance America was licensed under the " Small Loan Act '' which meant that under the SLA in Ohio a Customer is only allotted a max of {$500.00} ( according to research information ), however, my loan was for over {$1000.00} and/or a customer could not be charged over XXXX % of their income, in which both of these laws were not being enforced, if in fact this was true. I attempted to pay this loan in full, however, financial difficulties made it impossible. At this point I have been working with a Government appointed Financial Coach from CFPB put in place to assist Military Veterans with Financial dilemmas, we are reviewing what my options are as of XX/XX/XXXX. My loan is in default and will remain as such until a reasonable solution is reached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  DEPT OF ED/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX DEPT OF ED/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report on XX/XX/2022 and I noticed two hard inquiries that I didn't approve or authorize. I called Transunion and they informed me to make a report with the XXXX and to turn that in to them in order to have this removed. 


Transunion file # : XXXX
Product: Money transfer, virtual currency, or money service

For your awareness, I have already tried reaching out to the following three companies ( Citi, XXXX XXXX, and XXXX XXXX XXXX XXXX ) multiple times in attempt to resolve this matter. 

I am writing to dispute a charge of {$3900.00} to my Citi Sears MasterCard account on XXXX XXXX, XXXX. This was a balance transfer charge initiated through Sears Credit Card Services online for the purpose of transferring credit owed on my XXXX XXXX XXXX XXXX " More Rewards '' XXXX XXXX credit card to my XXXX XXXX. The charge is in error because the credit owed on my NFCU card was never paid down the corresponding amount of {$3900.00}, and no such payment or indication of transfer of debt has posted in my XXXX statements. 

At the time that I initiated my balance transfer request with Sears Credit Card Services, I entered the address for payment as [ XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ], however I later learned from my bank that since they directly manage my XXXX XXXX XXXX XXXX the correct address should have been entered as [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX. I have tried to call Sears Credit Card Services to make this correction but was told the balance transfer was already processed and cashed by XXXX XXXX. However, representatives from XXXX XXXX credit card customer services have informed me they have no way of investigating this matter because I have no account at all with them since it is managed by my XXXX XXXX XXXX XXXX bank ( so if XXXX received the check, they presumably could do nothing with it ). XXXX has no record of the transaction themselves which they have attested in writing. As to my knowledge, my XXXX XXXX XXXX account number was entered correctly at the time of my submission of a request for balance transfer. 


Attached are the memo concerning and copy of the check Citi sent to XXXX XXXX, delivered to me as proof they had sent a check out, as well as a statement from XXXX XXXX XXXX XXXX attesting that the balance transfer check of {$3900.00} was never received. I've also included my statement of acknowledgement from Sears to begin a balance transfer, and my Sears account XX/XX/2022 statement showing the new credit owed of {$3900.00} as of XXXX XX/XX/2022.
Product: Credit reporting

Equifax has release my credit report XXXX times fraudulently and they refuse to remove these fraudulent inquiries. I told them someone posted my personal information online and even put a fraud alert on my report and they continue releasing my credit report. 

The following inquiries are fraudulent and should be removed by law. 

XXXX
Product: Student loan

I have submitted to transition my payment plan from SAVE to IBR. I was directed to apply through studentaid.gov. I did and my application was submitted and shows as logged on XX/XX/year>. Since then, MOHELA has refused to give me information on the status of the application, has not updated my plan despite the information being sent to them, and has not updated my plan information.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THEY WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT AS SOON AS POSSIBLE. THE FOLLOWING INFORMATION DOES NOT BELONG TO ME EITHER : NAMES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX INQUIRIES XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have a mortgage loan with SLS ( Specialized Loan Servicing LLC. I paid my mortgage paid in full on XX/XX/2018. 
my XXXX payment paid on XX/XX/XXXX more than my mortgage payment ( {$850.00} instead {$810.00} ). I closed my house on XX/XX/XXXX. 
SLS calculated Intrest till XX/XX/2018 nstead of charging till XX/XX/2018. 
I can submit past 6 months of payment slips if necessary. 

Thanks XXXX XXXX
Product: Mortgage

'll admit upfront I was late for XXXX days on XXXX dollars when my escrow creeped up in XX/XX/XXXX. When they called me in XX/XX/XXXX they told me I was XXXX month late. I was n't sure what to think, so I went on their website and found the escrow issue and made immediate payment. I called them back and asked if forgiveness was possible. XXXX ( the cust. serv. ) said I had to send in bank records and they 'd need XXXX days to decide.lol By the time XX/XX/XXXX and XX/XX/XXXX had passed I had XXXX late payments against me even though I had paid all my P & I and taxes and insurance up to date. Just not the late payments. If they had n't tacked on late payments i was never XXXX days late ever. 

Also, I made payments XX/XX/XXXX and XX/XX/XXXX. The XXXX payment on the XX/XX/XXXX should n't have been processed until XX/XX/XXXX, but they Processed it on the XX/XX/XXXX. IN XXXX YEARS THEY HAVE NEVER PROCESSED A PAYMENT IN UNDER XXXX DAYS. Then, I 've never paid ahead of time. Still their records show they put the moneys in suspense not principle. These guys are playing games to balk consumers out of late charges. I need help to get these guys back, and to restore my credit rating.
Product: Debt collection

Zwicker and Associates has placed a judgment against my home that has prevented me from refinancing and have now frozen my bank account on a settled amount that was negotiated by a debit consolidator company that I discontinued service with that let to XXXX of XXXX payments being missed with out my knowledge since at the time I didnt not realize the debt consolidation had POA over the settled amount with the collector.