23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I disputed this account with the XXXX XXXX XXXX  on XX/XX/23. This is not my account and I did not open the account. I am not responsible for paying the account balance. I had other information on my account that was fraudulent and was removed along with wrong name variations that I have never used. I can't understand what experian received that the other two agencies didn't that they decided not to remove the account. It is as if they didn't really investigate the account. I have never received any written or phone contact from this company regarding this account.
Product: Debt collection

Due to unforeseen circumstances from health issues I defaulted with what is being described as being a personal loan. On or about XX/XX/year> I was contacted by Global Solutions. I was confused being I was working with resource recovery. XXXX XXXX called to collect on money owed. I told XXXX XXXX that I needed some form of proof of who she was and that the company was legitimate. I was copied into an email that she sent to a lawyer as proof. I then requested a debt validation letter because the amount did not seem accurate nor was I comfortable with this person being legitimate. I never received anything by postal mail as requested. I sent my request with return receipt. I think this person may work for a company that can possibly collect the funds but I still have no solid proof. I refuse to give a debit/credit card or pay with XXXX to someone that cant provide accurate information. There was a returned email from an assumed attorney that was threatening to take my personal belongings, freeze my bank account, all my personal property and the list goes on including additional legal remedies.The generic email suggests settling for less than the full balance. While still waiting for a letter I tried to negotiate what I think is owed. It was denied. Another person then contacted me, XXXX XXXX and the email was titled notice of bank levy. I returned her call as I did all others but they claimed I didnt. I have proof. XXXX XXXX said the bank accepted the request and my account would be froze. I called my bank, no such paperwork was received. XXXX XXXX treated me terribly. She said people would be coming to my home and place of business and to notify anyone there. There was no appointment because I denied the request. Nobody ever contacted me. I told my children that if they see strangers to let me know. They are still scared. They were going to come and seize my assets. I got the same generic emails copied to and from an attorney. The woman was rude. She yelled at me. Treated me as if I was XXXX. Was treating me like an XXXX when I said I never heard back from the last lady and I didnt reach out yet because I was grieving the death of a very young friend. Its as if she joked about it. She was nasty then hung up on me. I searched a number to call a supervisor. This alleged supervisor said he would settle the debt for half the amount asked for with a agreed payment. I again asked for paperwork. I got a generic email letter that had me repaying double the agreed upon amount. I asked that XXXX XXXX never contacted me again. She did again informing me that I have until the XXXX then the lawyer was going to start freezing accounts and taking assets. The threats of sending people to my my home etc is to much. I have never been treated so poorly nor should I be. There is much more information and proof to back my claims.
Product: Vehicle loan or lease

I was told I had a payment extension for my vehicle loan, lender claims a 30 day late payment.I explained my situation to a representative and they did acknowledge there was a mistake made on there end, but that it is still technically a 30 day late.I requested a extension 2 days before the 30 day mark ( XX/XX/XXXX ) and was told my request was accepted.they gave me a confirmation number and was told to pay {$370.00} by XX/XX/XXXX and an additional {$170.00} by XX/XX/XXXX and then back to full payment XX/XX/XXXX.I paid the {$370.00} on the XX/XX/XXXX so I thought all was good.Then Monday came and received a report of a 30 Day late on my credit report.I then called ally financial and explained them my situation and was told that the 30 day late would stick because technically it was 30 days late.I would have just payed It in full prior to my 30 day mark if the representative would not have told me that my request was accepted.
Product: Credit card

This account has been charged off by the company. I would like a copy of the XXXX.
Product: Student loan

I am a XXXX a part of the Sweet vs Cardona lawsuit involving XXXX XXXX XXXX. I am part of the automatic relief group, having submitted by Borrowers Defense Application on XXXX XXXX XXXX Relief to my servicer was supposed to occur by XX/XX/XXXX as per the settlement. This has not occurred. I have contacted the Department of Education numerous times, the lawyers who handled the case, the Department of Justice, the Attorney General, and more. Thus far all correspondence has been ignored. Thus, 9 years after I started complaining about this school, here I am once again. This time, now the country realizes what I had stated 9 years ago on this website, but now this department is violating the settlement agreement terms. V.B.2 -Failure to Issue Relief by Relief Due Date. 

Thus, I am filing a complaint to avoid litigation that costs the taxpayers more money.
Product: Checking or savings account

SImple.com will not accept my lease as proof of residency. They will not accept my mailing address. So, I told them on several occasions to close the account. maybe a dozen times of the last month and it is still open. I have a XXXX  balance. There is no legitimate reason for them to be keeping my account open.
Product: Debt collection

I received a text today from the previous phone number provided. to contact United Collection bureau Inc. at phone number XXXX which is a different number than indicated on their website. I find this suspicious deceptive and also intrusive as I have received no written communication from this company nor do I see them appear on my credit report. I emailed the company directly to either send me any formal written communication they have concerning any debts and to stop all other forms of contact until I have been given the appropriate and legal amount of time to review any claims. I have attached a copy of the email sent to the company should their memory be foggy on the subject.
Product: Credit reporting or other personal consumer reports

My credit score decreased by 60 points. I called the company to ask what event or events triggered the score to drop by 60 points. I have a very limited credit profile, a mortgage and store credit card. The store credit card has never had a late payment and card has a XXXX balance. The mortgage does not have any late payments. In fact over time, as I made mortgage payments my score has increase slowly by 1 to 2 points per month. Now with no activity on this profile except on time mortgage payments why has the score decreased by 60 points. I called TransUnion and the representative told me they could not tell me why the score decreased by 60 points. A score does not go from XXXX to XXXX in a vacuum. How can a consumer maintain a decent score if a credit bureau is unwilling to disclose why the credit bureau decreased a score?
Product: Vehicle loan or lease

XX/XX/23 I reached out to XXXX customer support via sms at XXXX and exchanged messages with a rep named XXXX. I advised XXXX that I needed to move my payment due date to XXXX of the month starting XX/XX/XXXX. XXXX advised it was an " application process '' to do so but ensured me it was submitted and I heard nothing. Portal online still shows XX/XX/XXXX for a due date and the payment will not be made until the XXXX. 

I've never asked to move it prior nor have I missed any payments. Poor customer service on their end.
Product: Mortgage

Mr. Cooper has acknowledged that my mortgage loan is paid in full as of XX/XX/2021. ( Please see attachment # 1. ) Mr. Cooper has also sent me correspondence showing that the Escrow Account Balance is {$1000.00} and that there are Unapplied Funds in the account in the amount of {$1600.00}. In the same correspondence there is verbiage about returning excess funds. ( I included it below and highlighted it in attachment # 2. ) How will I know that the payoff is complete and final? 
Upon processing of payment in full, and within State specified guidelines, the necessary documents will be forwarded to the Trustee and/or County Recorder 's Office to release our lien. When applicable, and as mandated by state guidelines, any overpayment or remaining escrow funds will be disbursed off the loan no more than 20 business days after the payoff has occurred and will subsequently be mailed thereafter. 

**We recently sold another home ( paid off the loan with another lender ) and received a refund of the escrow account balance within 10 business days. I am not sure what the hold up is with Mr. Cooper.
Product: Debt collection

was notified by debt collector multiple times that they were hired by the alleged creditor to intervene on their behalf. I requested that they send proper validation of debt and all the required information to move forward. they then asked that the bank would settle for a lesser amount than what's allegedly owed. I asked them if they bought the debt from the bank and attempting to collect the debt for the full amount. I asked if they would provide the amount the debt was bought for and was told they do not buy debt and attempt to collect. I notified them that the account had been charged off and I wanted a XXXX and have the XXXX released if applicable. the agent for the Debt Collector told me that they could sue me and that it was an option the creditor was looking at. This tactic is false and misleading and threatening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Experian credit report says I had XXXX close accounts when I only have XXXX .On the report the can not produce the XXXX accout I've tried over and over again to dispute an inaccurate report .I have been block where I can't dispute. The company has inaccurate.The cccount say I opened XXXX the.has been removed twice because of inaccurate in XXXX how is it experian keeps allowing to be placed back on my credit report. Original company was XXXX. I need the proof that the account was open in XXXX because it was not and the company is not the original owners and again the dates and year are incorrect it has to be the original date opened .I never gave permission for no one other than XXXX to place any thing on my credit repot. 

XXXX is on my credit report twice as open and closed same account number. I never closed an account with XXXX.
Product: Checking or savings account

I have recently started facing an issue with Bank of America placing a very long hold on checks and deposits. Here is a video that goes into detail about the Bank of America Freezing Funds for Small Business Owners. 

https : XXXX XXXX XXXXXXXX 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 would like to get a charge off removed from my credit report called XXXX XXXX {$4100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account number XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Hello Toyota Motor Credit Corp, This is XXXX XXXX and this is to inform Toyota Motor Credit Corp that they are reporting inaccurately and I will explain and supply supporting documents to support my claim and I will and am needing an urgent resolution to this issue as this issue has caused a bunch of stress on me! On XX/XX/2020 I received a call from a representative asking for payment in the amount of {$1800.00}. On XX/XX/2020 I made the payment which after the payment was satisfied I received an email from Toyota Motor Credit Corp as a confirmation that on XX/XX/2020 the payment in the amount of {$1800.00} was taken care of which brought the balance to {$0.00}. I logged in to my credit file and I saw that Toyota Credit Motor Corp is reporting XX/XX/2020 and XX/XX/2020 late which is not accurate. I made the payment on XX/XX/2020 I am not late. I even was given an email confirmation which I will attach along with this letter. This is an error on behalf of Toyota and this must be rectified and resolved because this invalid information that Toyota is reporting on my credit files ( XXXX, XXXX, XXXX, etc ) is inaccurate. I have proof I made payments on time. This must be resolved immediately please. Please reply ASAP. This needs an urgent resolution. I will also be reporting this concern to the CA Attorney Generals Office and with the CFPB along with mail a copy to the address that I was provided by XXXX ( agent ID FVPH ) which is TFS Credit Dispute Group XXXX. XXXX XXXX XXXX XXXX, IA XXXX. Please fix this issue and send me a letter confirming this has been fixed and resolved. Thank you in advance for all the help. 




XXXX
Product: Checking or savings account

An company called XXXX XXXX XXXX XXXX scammed me out of XXXX $ back in XX/XX/2021. Lying to me saying we are affiliated with the department of education. And Student loan forgiveness, they continue to lie again saying your loan company XXXX sent us your information. Which is not true, my loan was 6 months ago paid in full and closed. They put a XXXX $ on my bank account. Contact the FTC and Fasfa back in XXXX. I looked for attorney, to try help file an lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

Amex account number XXXX this account was never late. however it is reporting on XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as 120 days late. it is also commenting all on 3 credit reports incorrect comments. we have asked they verify this information and have not done so. after multiple attempts we are using CFPB before filing suit.
Product: Debt collection

I have tried Communication with Discover Card, And The Credit Reporting Agencies Such As XXXX  XXXX Who Authorized The release of my credit report And profile without my permission. I have had A security freeze And credit monitoring on my accounts for 6 years. Someone stole my information from my old Address I have filled over 7 disputes against the company And the collection company And I have tried to report that to them to close Any Accounts that are not mine ASAP.
Product: Credit card or prepaid card

I received a letter dated XX/XX/20 informing me that as my Citi Double Cash Mastercard had XXXX balance, was in good standing, and had not been used for 2 years, it was automatically closed. 
This negatively affects my credit balance. 
I was given no warning. I called the company to request a reversal and they refused. 
My account was in good standing the entire time.
Product: Mortgage

I have been working on a short sale for almost 2 years. The first lien holder is  XXXX   XXXX  and they have given several approvals but  Trinity is the 2nd li en holder and they would never cooperate. They wanted it to go to foreclosure. After several attempts to get them to work with us, I tried to reach management and they would never reply to any of my messages or requests. I received a letter fro m Trinity ( attached ) d ated  XXXX   XXXX     2017  stating that my loan was being transferred to  XXXX  on  XXXX   XXXX ,  2017 . As of Today  XXXX   XXXX   2017 ,  XXXX  still has no documents transferred and I have made several attempts to get trinity to look into this. I now have a foreclosure date with the first lien holder and an approval letter stating I can close at the end of  XXXX  if I can get 2nd lien holders approval on the short sale. I can not work on the short sale as it still has not been transferred to  XXXX . I am afraid that  Trinity  is going to blow my chance of getting my short sale through.
Product: Credit reporting, credit repair services, or other personal consumer reports

**This is 2nd Complaint due to 1st complaint being unresponsive, closed** **Initial Complaint is #  XXXX ***********Original Complaint verbiage*********** " On XX/XX/2018 .... I mailed identical hand-written disputes to be filed and addressed within the 30-day allotted time frame with all 3 credit bureaus and have yet to receive any update, nor any revised report reflecting the changes. 

Consumer Rights according to the FCRA allow a 30 day review and if not timely responded, then the derogatory item disputed is removed from the consumer report. 
****************************************** ***********Feedback to TransUnion NonResponse*********** Transunion has the unscrupulous, unethical and volatile belief in contrast to its MANDATORY obligations under the Fair Credit Reporting Act ... Where it holds the position that a person MUST have a verifiable address to their liking? 

The problems with this belief system is the prima facie reasons for Congressional Action Regulating the industry. But for sake of argument, let 's detail them ... 
A ) Nothing in the FCRA mandates the requirment of verifiable address to have accurate credit reporting, if it did this would be GROSSLY discriminatory to XXXX/XXXX people. 

B ) Given that the argument fails on it face, the correct reporting is a mandatory obligation, fiduciary duty of TransUnion ... There argument only pertains to sharing of the corrected report with accurate information to an address they " might '' not be familiar with. Fine, Correct my Credit Report and send the Corrected copy to my last known address ... A Family Member will provide notification that I have mail, given I have been homeless for over 4years, live in motels travelling to what little work this XXXX economy provides.. 

C ) How does Transunion believe a person can secure a stable home address when unfair and inaccurate information on the credit reporting maintains his XXXX  state, XXXX XXXX XXXX XXXX and using a PO Box for mail?
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : The goal in the headline of the letter is always to setup a situation where the burden of proof relies on the consumer reporting agency ( Credit Bureau ). You do not want to make a specific claim about a specific account in the first-round investigation request letter. The reasoning for this is called factual disputing methodology. Making a claim of Not Mine or Never had account when the account is yours invalidates the claim if it is in fact yours. Write as if you are a consumer without the fancy jargon in this round to prevent it being misinterpreted as coming from a credit repair company. 
You cant go wrong with quoting 15 U.S.C. Sec. 1681i, since it is very broad and covers Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller ( XXXX XXXX ) ( XXXX  ) and others who furnish third party disputes free of charge, etc. 

Collection Account : XXXXXXXX XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

This company reported an incorrect collections account on all three credit bureaus. I called them and requested they delete the entry and they agree that they would delete it but have not done so. I have the phone conversation with the company representative recorded and intend to present it in XXXX Civil court
Product: Debt collection

I moved out of an apartment when my lease was up I do not owe this money.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result, I request that the following fraudulent accounts and inquiries be blocked and deleted from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were not authorized by me and should be removed immediately. 
Fraudulent Accounts : XXXX XXXX - XXXX - XX/XX/XXXX - {$38000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$3300.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$2600.00} XXXX XXXX XXXX - XX/XX/XXXX - {$9400.00} Fraudulent Inquiries : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On XX/XX/18 {$110.00} was taken out of my account from XXXX XXXX without my permission. I did not set up any payment arrangement with XXXX XXXX. 

Taking this money from my account put me in hole financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just understand how my scores went from 840s to the 770s with NO ACTIVITY on my reports??????? I have attached all 3 scores and the only Debt I have in my credit report should only be my XXXX  loan. XXXX XXXXXXXX range balance. I am very clueless and I need an explanation from each of the Creditors.