23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Good morning, this is a collection agency by XXXX, that has an ongoing case against FTC. The school is using a debt collection agency ( third party ) to collect tuition fees to students. In the case given by the judge states that anyone connected to the XXXX, including collection agency are prohibited in collecting tuition fees and interest to the said tuition fees. I reached out to them twice already, sent them a demand letter to stop, because XXXX has an ongoing case. I attached a copy of the case #. I still receive emails and letters. I enrolled and never attended a single class because of XXXX and then followed by preliminary injunction prior to my scheduled classes. All students paid 25 % of the tuition fees before the class starts and school will collect the remaining balance. In my case They already collected {$11000.00} from me, which the promised education was not received. 
first payment collected was on XX/XX/2020 amount of {$9700.00} 2nd payment was collected via automatic payment to my credit card on XX/XX/2020 amount of {$1400.00}. 
I made a stopped to my automatic payment and from there on they started sending me emails and letters which i answered them. I spoke to one of the representative of Universal account servicing and told them that XXXX has ongoing case and so they should stop collecting what they call debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX explaining I was a part of a breach I went online to view my credit and notice some fraudulent attempts to obtain credit. I have sent proper correspondence to Transunion with no response from them this was not done by me, its consider fraud, I tried to place a police report but being that my information was breach due to the lack of security at XXXX and that the criminals did not get any of the approvals to obtain the credit there was no police report to file. I will like all the listed below inquires removed. 

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

i sent a letter on XX/XX/2022 to XXXXand XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller 15 usc 1681 s-2 15 usc 1692c 15 usc 1681i
Product: Money transfer, virtual currency, or money service

I have been using XXXX XXXX since 2017 when I first opened my business, thoughout the period since I began my business until current day my main source of outgoing and incoming funds was through Zelle. I was informed of the recent lawsuit and would like to get information on the process and how to file my claim, I also experienced several instances thoughout my period using Zelle where I suffered losses. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I lost my debit card at my job in the mall and someone must have picked it up and then I noticed that there was sever thousand worth of purchases over the course of XXXX XXXX that were unauthorized and I was not in the state at the time I was visiting my cousins wedding in XXXX, ( fraud happened in XXXX  ) the bank had refused to accept my dispute over 4 times now. Each time with a XXXX reason like, seller contact when I reached out to see if they could help and they used that as one way to deny it. I just want my money back.
Product: Debt collection

Auto payment went through late, to avoid late fees, use website through Hyundai Motor Finance to pay again for XXXX. One Month later it is not reflected on finance statement for XX/XX/XXXX or XX/XX/XXXX. Now I am passed due by 19 days with no resolve, and currently out of {$380.00}, even though it was processed. 

XX/XX/XXXX Contacted Hyundai Finance, work with customer service, no resolve XX/XX/XXXX, Hyundai collections called stating I am pass due called customer service right after call from collections explain situation no resolve, wait 3-5 business days XX/XX/XXXX, called back no resolve, file a Complaint with XXXX. 
XX/XX/XXXX, called customer service again, still no resolve, told it was escalated XX/XX/XXXX called back no resolve again XX/XX/XXXX I was contacted by XXXX XXXX at XXXX, ( XXXX XXXX ) I was told to email my bank statements and also told that there was a glitch on their system with payments, I explain that I was not notified, and was told Money applied to billing was refunded which I didnt received. I explained that I would like my money to be applied to my loan and also would like any interest incurred by the mistake from their system to be fixed and also to fix any negative credit damage from their faulty system. 

XX/XX/XXXX Contracted by XXXX XXXX from XXXX XXXX told not to not accept resolution on XXXX and that she was going to close the matter, told her I dont understand how you can close it due to the problem not being fixed. 

XX/XX/XXXX Still no resolve, passed due again for the month of XXXX now.
Product: Credit reporting or other personal consumer reports

This account is being inaccurately reporting on my credit profile for some time now. This account was sold to a creditor by the name of XXXX XXXX XXXX XXXX XXXX in XXXX. I previously attempted to dispute the inaccuracies in XXXX of XXXX, XXXX of XXXX and XXXX. Instead of this account showing sold to a collector or charged off, it has continually been showing as an open account with late payments EVERY MONTH which has substantially affected my payment history and credit score across all XXXX of my credit reports. As recent as XXXX this account is still showing as OPEN and LATE with a balance which is incorrect information. This account was settled and paid in full with the the above creditor that it was sold to and has a XXXX balance and has been CLOSED as of XX/XX/XXXX. I overpaid on my settlement amount and was sent a refund and letter of overpayment which I will attach with this complaint. This account was still being reported as OPEN and LATE after the closure date listed above. Also furthermore Per my agreement with XXXX XXXX and the arbitration clause any disputes that XXXX arise from either party would be handled by an arbitration and not my a court. This clause was violated when a request and judgment was submitted to the court in XXXX of XXXX. I also had previously contacted the company for a voluntary repression and the vehicle was never picked up nor was I contacted back by the company advising of this. The mechanical issues with the vehicle were NOT covered by the extended warranty that I purchased NOR were they covered by the manufacturers warranty as the company previously stated in their complaint response. There have been many discrepancies and inaccuracies with this company and many of its consumers including myself.
Product: Vehicle loan or lease

I am trying to refinance my loan with XXXX XXXX in XXXX. I was given a 5 % rate. When I speak to Exeter Finance about transferring the title from a XXXX XXXX to a XXXX XXXX they tell me to call the DMV and fill out a state transfer form. XXXX does not have any such thing, nor does XXXX They need the lender to assist with requesting from XXXX  a XXXX title. The car is registered in XXXX. It was purchased in XXXX. I am trying to refinance with a local credit union. I am paying 18 % with Exeter. Exeter needs to request from XXXX a new title, and the car has to be titled in XXXX to get a payoff of {$18000.00}. I have 60 days and counting to do this or I loose my refinance on my XXXX  XXXX. I am asking Exeter to request from XXXX a new title, I have tried with Exeter for a week, no one seems to comprehend this basic task. I have spoken to the XXXX DMV. Without the title, this can not be done, the refinance I need to lessen my payments. I can not do this alone without the lenders approval in writing, and the {$74.00} paid by the lender.
Product: Mortgage

In 2008, Wells Fargo forced us to foreclose on our home located in XXXX, CA. We did everything we could at that time to get them to help us but we were not offered any assistance at all. At one point, a representative told us that since we were behind a payment the best thing to do would be just to move out of the house and not risk the police kicking us out! We begged them to work with us to allow us some sort of modification but they told us there was no alternative to paying the full balance of past due and currently due amounts owed. I called Wells Fargo every day for a period of 2 weeks to try to get someone that may handle things differently but each representative said the same thing to us. There is no option other than short sale or foreclosure. We ended up moving out and the house was auctioned in a foreclosure sale.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/2024 Shellpoint Mortgage A Division of newrez XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Complaint Regarding Inaccurate Information and Request for Modification Resolution Dear Sir/Madam, I am writing to formally address a serious issue concerning the information I received from your company regarding a mortgage modification. On XX/XX/2024. I was advised by your representative to wire {$10000.00} to facilitate a mortgage modification. Based on this guidance, I withdrew the necessary funds from my XXXX ( XXXX  ) account. 

However, I was informed today XX/XX/2024, that the information provided to me was completely inaccurate. This misinformation has caused me significant financial hardship and undue stress. The withdrawal from my XXXX ( XXXX  ) has not only affected my savings but also resulted in tax implications and penalties. 

Details of the transaction are as follows : Amount Wired : {$10000.00} Date of Wire Transfer : XX/XX/2024 Reference Number XXXX Given the severe impact of this erroneous guidance, I request an immediate investigation into this matter and a full resolution, including but not limited to : A full refund of the {$10000.00} wired based on inaccurate information. 
Compensation for any penalties and tax implications incurred due to the XXXX ( XXXX ) withdrawal and no foreclosure date be placed on my home due to this very inaccurate information. 

Written clarification of your company 's policy on mortgage modifications to prevent future misunderstandings. 

I expect a prompt response and resolution to this issue. Please contact me at XXXX or XXXX to discuss the next steps. Failure to address this matter adequately will leave me with no choice but to seek further action, including legal recourse and filing complaints with relevant regulatory bodies. 

Thank you for your immediate attention to this matter. 

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

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. These following items are not mine and I would like verification of all items in 15 days or deleted them from my credit report, section 609. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, New XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX Opened XX/XX/XXXX {$340.00} Original creditor : XXXX XXXX XXXX XXXX
Product: Mortgage

Dear Sir or Madam, They say they do not refinance when I asked for it. They say that they took this loan from XXXX XXXX  XXXX. 

A year ago, I applied for a forbearance. I was granted this. However at the end of the XXXX month reprieve, the bank demanded full payment. How is this any help? If I or anyone can not make a payment due to lack of funds, how is it that they expect double payment on demand? When I first purchased this home in 2006, things were much different. I had money and was working. I and my partner are now both XXXX due to XXXX XXXX. I am unable to pay the 4 % mortgage on top of all the other expenses that come with a home. My partner has been making the payments for me. We need a lower rate. I need immediate help please. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

back on 2017 I came from third world country ( XXXX ) with a limited XXXX, I was buying a refrigerator. that a target employee approached to me and ask me if i want that XXXX XXXX XXXX which is giving us 5 % discount in every purchases. because I never used credit card before I thought it is some sort of coupon, but any way my wife without telling me she has used XXXX red card several times, later on with i find out to solve this issue with target i have visited XXXX customer service a few times but no body help me. they provided me a number that i was calling and with on the line for over an hour and nobody respond. 

please kindly consideration about this mistake, people with no experience it is really hard to understand how debit and credit work, Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account Bankruptcy Discharged CH-XXXX  which has been deleted by XXXX   and XXXX. XXXX and XXXX  have both completed their research and determined that Bankruptcy Discharged CH-XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account Names XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Debt collection

I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with Synchrony Bank/Care Credit in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me. 

As of today they have failed to provide me with the proof I have lawfully requested. This account with fraud charges being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : SYNCB/CARE CREDIT XXXX ; opened : XX/XX/XXXX ; Limit : {$1000.00} ; Status : Closed. Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of  character. 

Attached : - Letter sent to Syncb/Care Credit - FTC Report
Product: Debt collection

Please see attached form sentry has mailed to me. XXXX has been calling me non stop from morning hours till XXXX XXXX at night consistently every 3 minutes. They call while I am at work. A woman had threatened to call my work and tell them about my debt. They are harrassing me and have been from an unknown number. I am homeless and have been the last 3 years and live in my car. There are certain bills I can not pay because the amount is too high. I am willing to work with the creditor but not if they are harrassing me and the amount they want is way too high. I make minimum wage and am again homeless and live in my car. I go without eating most days because bills have piled up and I am trying to do the right thing by trying to make payments when I can.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Student loan

I graduated from college a few months ago. I didnt have a job to start repayment demands. Sally Mae called me everyday demanding to pay nearly {$2000.00}. I stated that I am not employed and requested a forbearance so that my loans do not go into default. Sallymae denied my request and stated that I do not qualify for forbearance. They told me that I have to start paying right away. Sallymae representatives continued to call me all hours of the day demanding payment in addition to mail and emails none stop. I spoke to them again and I reiterated my financial hardship and to postpone my payments until I find employment. Again they denied it, so I asked for an income based repayment plan so that I can make small payments until I was able to satisfy my obligations. Sallymae again said I didnt qualify for income driven assistance and that it wasnt being offered that this time and I had to pay the Accounts in full. I was desperate to find funds to pay the demand of {$2000.00}. I tried going online to make a good faith payment but it was locked. I had to call them to make a payment. After several months I obtained a job, so I called Sallymae and the representative told me again that I had to make a payment for nearly {$2000.00}. I explained again my financial situation and the representative didnt care about my financial situation. She didnt ask me to provide proof of income to evaluate my payment plan. XXXX didnt ask me about my living expenses. She harassed me stating my loans will go into default and my wages with be garnished so I need to pay now. I was intimidated by her demands so I paid this balance. I asked the representative to help me apply for relief or income base plan. She said no. That I have to wait till next month and apply online and see if I qualify. This is stressing me out because I cant afford to pay {$2000.00} a month for student loans. I have living expenses that need to be paid and this will cause an even more economic crisis for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed several disputes issues unresolved XX/XX/2021
Product: Credit card or prepaid card

They are unable to verify my account and won't let me talk to a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 late payments reported. C=During the Covid Pandemic my  school loan should be deferred or in Forbearance.
Product: Debt collection

XXXX, ACTION : XX/XX/2016 This letter is regarding an account, which you claim I owe {$730.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX