23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Over the past few months I have received numerous calls XXXX and they have on multiple occasions stated they were a law firm, and that they had a court order. When I asked for a copy of the debt they say I owe they wo n't mail me one. Then they called and said because they noticed I was a XXXX that they would immediately garnish my wages because of the court order and make me look bad to my new job. 

The debt is long past collections limits.
Product: Credit reporting or other personal consumer reports

I am writing to address a significant discrepancy on my ally auto loan account. It has come to my attention that ally reported my car loan as delinquent for the month of XX/XX/year>. However, this claim is inaccurate. 

The payment for XX/XX/year> was taken out of my account. Subsequently, I received a reimbursement check from XXXX, with the explanation that the payment had been canceled. 

I have already provided proof that my account was reimbursed for the payment amount in question. Specifically, I received a returned payment check for the amount ally claim was never received. XXXX XXXX acknowledged this reimbursement during our previous communication, yet the delinquency status remains on my account.
Product: Credit reporting or other personal consumer reports

I hereby dispute the validity of this debt in its entirety and demand this account to be removed because it is in violation of multiple Federal Laws. This account is in LITIGATION and it should not be reporting on my credit profile. Because of the violation of the Fair Credit Reporting Act and Florida Consumer Collection Practices Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened an account with Best Buy in XX/XX/2019 to purchase a computer. I've been paying monthly, usually more than the minimum amount. In XX/XX/2019, I paid off the entire balance. During that time, I had two late payments, one first thing because my payment made through the bank did not get there in time, and then in XX/XX/XXXX because I had two major family events and missed the due date. The XX/XX/XXXX late fee they agreed to dismiss, and I never fought the XX/XX/XXXX. late fee because I didn't have the time. 

On XX/XX/XXXX I received a notice regarding the closure of my Best Buy account, which completely surprised me because I am paid in full. Their form indicated that this was based upon a credit score received from XX/XX/XXXX, although " it played no part in our decision ''. Regardless, Best Buy cited that one of the reasons is due to the balance on my account and that it was also closed to inactivity. Another reason is the balance on my account ( WHICH IS XXXX )! 

I called and spoke to a representative and a supervisor ( XXXX and XXXX, respectively ) and requested that my account be restored, they claim however that it is not possible. I know as a fact that Credit card companies can do this for a customer. It is poor business practice at best to close an account of a customer who has paid off a balance. 

On another note, I tried explaining that I've been working hard this summer to pay off debts and that if they looked at the report again they would see that. They are not budging though. 

I do not feel it is fair to close an account of a customer who worked hard to pay it off. 

Original balance : {$450.00}. 

XX/XX/XXXX paid XXXX XX/XX/XXXX paid XXXX XX/XX/XXXX paid XXXX XX/XX/XXXX paid XXXX ( this one was minimum due ) XXXX ( can't find my payment notes for this month ) XX/XX/XXXX paid XXXX XX/XX/XXXX paid XXXX ( thought I paid this in full now ) XXXX? I paid another XXXX ( they said I owed it so I paid it ) Even if they do not reinstate my account, I want them to negate the negative impact on my credit report
Product: Debt collection

Capital one has charged off an alleged debt they claim I owe which they received a tax deduction for. They are now double dipping by and violating my consumer rights by pursuing unlawful legal actions for the alleged amount of {$2000.00}. They also sold the alleged debt to a debt collector firm XXXX XXXXXXXX XXXX XXXX, who is also falsely misrepresenting themselves as an attorney for Capital one. When they have stated they are debt collectors multiple times.These false claims are violations of FDCPA, FCRA, GRAMM LEACH BLILEY ACT, & FLASE CLAIMS ACT against the United States.
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't had my credit report from Experian updated since the first of the year.i asked them to update it.they said they would but never did.XXXX   and XXXX.never had a problem with just experian.and I want to know why.
Product: Mortgage

I previously submitted a complaint regarding removing PMI with Mr. Cooper. They acknowledged communcation delays in their response. I followed up again on XX/XX/XXXX to start the process for an appraisal to have the PMI removed. They indicated that research would be need to be done, since its an investment property. Someone from the company was supposed to contact me within five business days. I still have not received a response to this simple question. The customer service at this company is a complete joke.
Product: Money transfer, virtual currency, or money service

I recieved a physical card from cash app I tried to register it, it didnt go through it was an error. Tried contacting CASHAPP but they told me they couldnt do anything and I only can have access to my funds digitally
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX received debt verification letter XX/XX/year>, and also in XX/XX/year>. XXXX is originally from XXXX, debt is past statute of limitations and still reporting on Credit reporting agency reports. Both companies are violating FDCPA. Debt has yet to be validated by XXXX XXXX as per consumer request x XXXX, and XXXX XXXX is still reporting to XXXX reporting agency XXXX as of XX/XX/year> when statute of limitations has run out. 

Consumer reserves right to file legal action against both companies per FDCPA. Both companies have failed to remove/validate debt as requested by consumer. XXXX is requesting all named debt to be removed from all XXXX credit reporting agency report ( XXXX, XXXX, XXXX ) and to cease and desist from further collection, credit reportingconsumer reserves right to legal action for XXXX  to continue to report false unvalidated debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's XX/XX/XXXX response to XXXX falsely stated : " ... They ( XXXX XXXX  XXXX Card Services ) responded and verified that the disputed information was accurate as reported. The result summary was sent to you for review on XX/XX/XXXX ... ''
Product: Credit card or prepaid card

I found a charge on my XX/XX/2020 statement for an unauthorized charge of {$270.00} posted XX/XX/2020 from XXXX. I did not make this purchase and promptly reported it to Barclays for my Carnival Master Card. I had them issue a new credit card. In mid XXXX they sent me a letter stating it was valid charge. I called to find out how they came to this determination. I was informed that XXXX said it was valid. I then called XXXX about the charge. They could not find any purchase on my account for that amount. I was then asked to link the Carnival Mastercard to my account in order to open a case with their fraud department. Several days later I received an email from XXXX indicating fraud and to report it the card issuer. I sent a written letter to Barclays asking to reopen the case and look into my findings. They received this letter on XX/XX/2020. I have never received any communication back from my letter.
Product: Student loan

My complaint is with National Budget Planners. National Budget Planners solicited me for federal student loan consolidation services in XXXX. They told me that I would be eligible for loan forgiveness after making on-time monthly payments for seven years, regardless of my occupation. They also told me that my monthly payment would only be {$39.00} since I was still looking for full-time employment after graduating and qualified for a reduced payment plan due to my low income. They made it sound like this {$39.00} a month would apply to my student loans. Come to find out that this $ 39 monthly fee did not apply to my loans and was just a servicing fee for National Budget Planners, even though XXXX Servicing was actually servicing my loans so they had me thinking that XXXX was charging me the $ XXXX. Once I got a full-time job in XX/XX/XXXX, I recertified my income-based repayment plan and my monthly payment increased with the student loan servicer, XXXX, and I noticed I was still being charged the extra $ XXXX. When I called to ask what this was for, I was told that it was the fee charged for servicing loans and was under the impression that this was a XXXX fee. As of XXXX XXXX, XXXX, my federal loans have been transferred to XXXX for servicing by XXXX. I was still charged the $ XXXX fee in XXXX and XXXX of XXXX, so when I called XXXX to see why they were still charging me, they informed me that Federal Loan servicers of the Dept. of Education do not charge fees for servicing loans. After escalating my conversation to a supervisor, I was informed that I didn't sign up with XXXX directly and that National Budget Planners had basically " scammed me '' into using them as a " reference '' for signing up with XXXX ( the supervisor 's words, not mine ) so National Budget Planners are the ones who have been charging me $ XXXX for the past seven years, which was never made clear to me. The XXXX supervisor told me to make sure XXXX removes their access from my account, have my bank put a block on all future charges, and file a complaint with the FTC against the debt relief company as " this is basically a scam '' ( again, the supervisor 's words, not mine ). Not only did National Budget Planners mislead me from the very beginning about loan forgiveness eligibility, monthly payments, and interest rate accruals, but they also made me believe that I was working with the actual student loan servicer, XXXX, the entire time. All of these conversations were done over the phone, so no documentation is available to share, which is even more frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved house and called Equifax to update my address. The next day my score dropped from over XXXX to XXXX due to not being on the Electoral Roll, but a further marker appeared stating my repayment conduct is poor. All of my credit accounts are up to date and I have not missed any payments. I called Equifax several times in XXXX and then filled a complaint on XXXX XX/XX/2020. I received an email on XXXX XXXX saying they needed more time and a new complaint was created under my profile. I have no idea why? I again called Equifax on XXXX XXXX and was told somebody from the Complaints team would call me back. Four days has now passed and I still havent received a call. I pay XXXX per month for this service. I currently can not apply for any credit agreements and need to purchase a car as I receive a monthly payment from my employer rather than having a company car.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX/XXXX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

They froze my account and have refused to disperse funds even after waiting the six months with no explanation.
Product: Credit card or prepaid card

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) issued credit to me based on my spouses request without notifying me. I never condoned it, I never gave any information nor was contacted by XXXX XXXX XXXX or XXXXXXXX XXXX. 

I am concerned because 1 ) My credit was accessed without my persmission 2 ) Per XXXXXXXX XXXX ( XXXX ) ANYONE can be added by providing a name and date of birth and no confirmation needs to be given to the person. 

I am concerned because XXXXXXXX XXXX can not remove the inquiry or credit line from my credit report per my phone call with them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, XXXX XXXX XXXX XXXX Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : 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 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 Inquired XXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to these or any other entities to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well- being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. 
Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry. 
2. The source of the inquiry. 
3. Steps taken to rectify any errors or inaccuracies in my credit report. 
4. Verification of the removal of the disputed hard inquiry from my credit profile. 
5. Updated copy of my credit report reflecting the amendments made. 
I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. 
Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. 
Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several deferred loan modifications with   XXXX   XXXX   XXXX    Between the years of  XXXX  and  XXXX . During the loan modification months when they tell you not to make a payment, they also tell you after a decision is made that your mortgage account will start off fresh with no late fees. When I check my credit report it shows the deferred months as late payments. It also show as past history payment while the under writers are try to see what plan I qualify for. The statute of limitation for Texas is 3 or 4 years and its hard to raise my credit score. In  XXXX  I was one of the consumers who really could not afford a mortgage but was given a loan any way from  XXXX  loan and some time shortly my loan was transferred to   XXXX   XXXX  . I knew there was a law suite with   XXXX   XXXX   but I did not under stand why. Can someone please tell me where do I stand on this issue.
Product: Student loan

I have been paying on my formerly XXXX student loan. UAS is the servicer, XXXX bought the loan from XXXX. All the sudden, I could go months without paying, and never heard from them. Then, today, I stacted getting phone calls stating that I am late. I called them and pressed them about what happened with XXXX. I asked if my student loan was one of the ones that was forgiven. He would not answer this question. He refused to give me any information other than my balance and what I owe. I called XXXX and they said to check my credit score, since that would include who has my loan and a contact of the company. I looked up my score and history, and the loan does n't exist. It disappeared, which would indicate that it was one of the forgiven loans. Yet this company, UAS, ( University accounting services ), is claiming I owe them money and is refusing to give me any information on what exactly happened to my loan. ( He was insistent that XXXX XXXX XXXX XXXX was the orginiator. They were n't. XXXX was. ) And XXXX, went under as well and was bought by XXXX. They also are in legal issues and going under. Yet still, UAS is claiming I owe them money and refuses to give me any information. The loan is not anywhere on my credit report.
Product: Consumer Loan

OK I NEVER TOOK OUT A LOAN WITH SPRINGLEAF FINANCIAL BUT IN MY CREDIT REPORT I HAVE INQUIRES ON MY CREDIT REPORT. I HAVE WROTE TO SPRINGLEAF AND ON XXXX/XXXX/2015 I GOT A LETTER SYING THAT THE INQUIRES WOULD BE REMOVED BUT AS OF XXXX/XXXX/2015 THE INQUIRES IS STILL ON MY CREDIT REPORT
Product: Debt collection

I am writing to formally dispute an alleged debt that Southwest Credit System is attempting to collect. I recently received communication from Southwest Credit System regarding the above-referenced debt. This communication was received within the last 30 days. 

I dispute the validity of this alleged debt in its entirety and am requesting verification of the debt. Specifically, I request that Southwest Credit System provide a copy of any contract or agreement with the original creditor, XXXX, signed by all relevant parties. I do not owe the amount in question, and Southwest Credit System is illegally attempting to collect money that I do not owe.

Furthermore, I request that Southwest Credit System cease and desist all collection activities, including reporting this alleged debt to any consumer reporting agencies. If any reporting has already been made, I request that they promptly delete it from my credit file. If these actions are taken within 14 days, Southwest Credit System will be excused from further verification of the debt. 

Please note that I may escalate this matter to an attorney if Southwest Credit System fails to comply with these demands. 

Thank you for investigating this matter and ensuring that my rights as a consumer are protected.
Product: Payday loan, title loan, personal loan, or advance loan

I was told I had to have credit life and disability on the loan in order for it to process. It was never given as an option but was automatically included.
Product: Vehicle loan or lease

On XX/XX/XXXX I was sold a XXXX XXXX by XXXX XXXX XXXXVerdis credit, that unknowing to me had a bad transmission that the dealership refused to replace after it went out in only 8 months into the purchase. I was force to pay a {$2500.00} down payment on the same vehicle, even though I received total financing for the vehicle. I was also forced to purchase insurance on the same vehicle before being allowed to leave the car lot. I believe that XXXX XXXX XXXX along with Veros credit knowingly deceived me in my buying process and forced me to pay moneys that were already allotted. I was charged late fees and the vehicle was repossessed in retaliation of my request to have the vehicle repaired. They also failed to explain the complete purchase contract in accordance with the Truth in lending Act. They violated Title 15.1635 ; 1605..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a store credit card with XXXX XXXX XXXX. I have always made my payments on time. I have noticed while looking over my credit report that there was a 30-day late payment on my credit report on all 3 bureaus. As  you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and TransUnion and XXXX XXXX  XXXX with no successful resolution. XXXX, XXXX, and TransUnion are all reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Mortgage

XX/XX/2021 From : XXXX XXXX XXXX ; Member, XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX XXXX TO : Consumer Financial Protection Bureau XXXX XXXX XXXX  XXXX, XXXX, IA XXXX CC : Congressman XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX Email : XXXX XXXX : JP Morgan Chase N.A. ( Chase ) bad faith behavior and conduct in refusing to disclose the Chases Executive Vice-Presidents name, address, and contact information, for XXXX XXXX where an application for a Note Modification Agreement for Loan # XXXX, property address : XXXX XXXX XXXX XXXX CA XXXX, would be made. 

Dear Sir/Madam, JP Morgan Chase N.A. ( Chase ), as a regulated bank, exists to serve the public interest and has an affirmative duty and good faith obligation to act and conduct itself in the interest of the public and customers it serves.

We are a small business owning and managing residential property. The ongoing COVID-19 pandemic has caused a great financial hardship and in such circumstances, Chase bank has an affirmative duty and an obligation to enter into a Note Modification Agreement in view of the drastically changed economic circumstances.

JP Morgan Chase N.A. ( Chase ) has acted in bad faith and harmed its customers by refusing to disclose and divulge contact information about its executives who are to be responsible for executing a Note Modification agreement for Loan # XXXX, property address : XXXX XXXX XXXX, XXXX CA XXXX. 

Relief Sought : Provide contact information for the Chase bank executive responsible for entering into the above referenced Note Modification Agreement for this loan.

Sincerely, /XXXX XXXX /